| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $2K | $1K | $941 | +82.8% |
| Broker comp per covered life | $1 | $0 | $5 | |
| Broker comp % of premium | 0.0% | 0.0% | 0.4% | |
| Retention rate | 1.6% | 0.0% | 1.8% | |
| Premium YoY % | -3.3% | -3.3% | -16.6% | 0.0 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 0.14% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 0.18% |
| MERCER HEALTH & BENEFITS7 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | $0 | $50K | 0.60% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.12% |
| MERCER HEALTH & BENEFITS3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 0.68% |
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 | 77,926 | 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) | 77,926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MONUMENTAL LIFE INSURANCE COMPANY | 477 | $840K |
| Dental(2 contracts, 2 carriers) | DELTACARE USA | 2,543 | $3.1M |
| Vision | EYEMED | 66,356 | $11.8M |
| Life insurance(5 contracts, 3 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY | 78,280 | $57.2M |
| Short-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,954 | $10.8M |
| Long-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 43,796 | $12.7M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 112,322 | $10.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112,322 | — |
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.