| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $791 | $841 | $5K | -5.9% |
| Broker comp per covered life | $2 | $43 | $56 | -96.2% |
| Broker comp % of premium | 0.2% | 6.2% | 7.1% | -6.0 pp |
| Retention rate | 2.1% | 0.0% | 1.6% | |
| Premium YoY % | -8.2% | -18.6% | -7.4% | +10.4 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.36% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.34% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.40% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $284 | — | $284 | 0.34% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,611 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $28K |
| Vision | VISION SERVICE PLAN | 2,892 | $391K |
| Life insurance(4 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,644 | $1.7M |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 414 | $209K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,706 | $569K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,644 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.