| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $165 | $165 | 1.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXETER TRUST COMPANY EIN 52-2155496 NONE | Investment management; Direct payment from the plan Service code 28 | — | $412K |
| MERCER HEALTH AND BENEFITS LLC EIN 13-1834414 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $36K |
| CIGNA HEALTH AND LIFE INS. CO. EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $21K |
| GRANT THORNTON EIN 36-6055558 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $17K |
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 | 38 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 360 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $1.0M |
| Dental | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | 86 | $447K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | 86 | $457K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $13K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | 276 | $661K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 41 | $64K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.