| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $71K | $71K | 1.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 1.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 41-1289245 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $6.9M |
| HEWITT ASSOCIATES EIN 36-2235791 NONE | Direct payment from the plan; Consulting (pension) Service code 17 | — | $1.4M |
| MEDCO EIN 52-1305795 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $398K |
| REED GROUP EIN 84-0733950 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $344K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $276K |
| COMPSYCH EIN 36-3272141 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $113K |
| ERNST & YOUNG NONE | Direct payment from the plan; Consulting (general) Service code 16 | 5 TIMES SQUARE NEW YORK, NY 10036 | $91K |
| WELLS FARGO EIN 94-1347393 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $35K |
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 | 9,848 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,329 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 14,908 | $928K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 20,772 | $4.4M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,830 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 20,772 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,772 | — |
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.