| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $9 | $9 | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $147 | $147 | 1.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXETER TRUST COMPANY EIN 52-2155496 NONE | Direct payment from the plan; Investment management Service code 28 | — | $284K |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $16K |
| GRANT THORNTON EIN 36-6055558 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
| MERCER EIN 13-1834414 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $9K |
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 | 32 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 323 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 216 | $700K |
| Dental | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | 72 | $277K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | 72 | $281K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 350 | $11K |
| Prescription drug(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | 234 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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."
No prospect flags tripped on this filing.