| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 1050 CONNECTICUT AVE NW SUITE 700 WASHINGTON, DC 20036 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $300K | $300K | 0.79% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1050 CONNECTICUT AVE NW WASHINGTON, DC 20036 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $270K | $270K | 0.71% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1050 CONNECTICUT AVE NW WASHINGTON, DC 20036 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $232K | $232K | 0.62% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44K | — | $44K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 3.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.00% |
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 | 6,568 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 7,507 | $37.8M |
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 7,507 | $37.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,609 | $372K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,641 | $889K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,449 | $670K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 7,507 | $37.8M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,211 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,609 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.