| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $3K | $786 | $1K | +323.7% |
| Broker comp per covered life | $88 | $23 | $38 | +282.3% |
| Broker comp % of premium | 2.6% | 3.1% | 4.7% | -0.5 pp |
| Retention rate | 3.2% | 0.0% | 1.4% | |
| Premium YoY % | -22.0% | -9.2% | -14.3% | -12.8 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH USA, INC5 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $1.3M | $1.3M | 1.62% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $218K | — | $218K | 0.28% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $101K | $0 | $101K | 0.32% |
| CONDUENT SECURITIES, LLC3 | 450 LEXINGTON AVE, 4TH FLOOR NEW YORK, NY 10170 | KAISER FOUNDATION HEALTH PLAN, INC. | $53K | — | $53K | 0.24% |
| CONDUENT SECURITIES LLC3 | 450 LEXINGTON AVENUE, 4TH FLOOR NEW YORK, NY 10170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1.1M | — | $1.1M | 5.76% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $701K | $101K | $802K | 4.40% |
| MERCER H&B ADMIN LLC3 | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $697K | — | $697K | 3.82% |
| CONDUENT SECURITIES, LLC3 | 450 LEXINGTON AVE, 4TH FLOOR NEW YORK, NY 101703912 | KAISER FOUNDATION HEALTH PLAN INC | $41K | — | $41K | 0.24% |
| MERCER HEALTH & BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | $6K | $53K | 0.37% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $36K | $0 | $36K | 0.25% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 0.32% |
| MERCER HEALTH & BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | $0 | $50K | 0.71% |
| MERCER HEALTH & BENEFITS ADM, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $941K | — | $941K | 13.38% |
| BUCK GLOBAL LLC3 | PO BOX 75320 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $267K | $58K | $326K | 4.63% |
| CONDUENT SECURITIES LLC3 | 450 LEXINGTON AVENUE, 4TH FLOOR NEW YORK, NY 10017 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $198K | — | $198K | 2.82% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $625K | $526K | $1.2M | 23.68% |
| CONDUENT SECURITIES LLC3 | 450 LEXINGTON AVENUE, 4TH FLOOR NEW YORK, NY 10170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $789K | — | $789K | 16.22% |
| MERCER H&B ADMIN LLC3 | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $638K | — | $638K | 13.13% |
| MERCER HEALTH & BENEFITS ADM, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG SERVICES, LLC | $180K | — | $180K | 4.53% |
| CONDUENT SERVICES, LLC3 | 450 LEXINGTON AVE WEWORK 4TH FLOOR NEW YORK, NY 10017 | ARAG SERVICES, LLC | $179K | — | $179K | 4.50% |
| BUCK GLOBAL, LLC3 | PO BOX 207640 DALLAS, TX 75320 | ARAG SERVICES, LLC | $60K | — | $60K | 1.51% |
| CONDUENT SECURITIES LLC3 | 45O LEXINGTON AVE WEWORK 4TH FLOOR NEW YORK, NY 10017 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $15K | — | $15K | 0.53% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 0.25% |
| MERCER HEALTH & BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $17K | $0 | $17K | 0.86% |
| CONDUENT SECURITIES LLC3 | 450 LEXINGTON AVE, 4TH FLOOR NEW YORK, NY 10170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $176K | — | $176K | 17.63% |
| MERCER H&B ADMIN LLC3 | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136K | — | $136K | 13.58% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113K | — | $113K | 11.35% |
| CONDUENT SECURITIES, LLC3 | 450 LEXINGTON AVE WEWORK 4TH FLOOR NEW YORK, NY 10017 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $4K | — | $4K | 0.37% |
| MERCER HEALTH & BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 0.75% |
| MERCER HEALTH & BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $68 | $1K | 0.78% |
| MERCER HEALTH & BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $144 | $0 | $144 | 0.74% |
| MERCER HEALTH & BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53 | $0 | $53 | 0.74% |
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 | 105,920 | 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) | 105,920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,052 | $1.9M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 81,187 | $14.4M |
| Life insurance(10 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 104,970 | $151.5M |
| Short-term disability(7 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 45,855 | $24.2M |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 45,855 | $14.5M |
| Other(6 contracts, 6 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 105,920 | $34.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105,920 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.