| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | — | $84K | $84K | 2.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 125 OTTAWA AVE NW STE 400 CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 1.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 41-1289245 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $5.3M |
| HEWITT ASSOCIATES EIN 36-2235791 NONE | Direct payment from the plan; Consulting (pension) Service code 17 | — | $1.1M |
| MEDCO EIN 52-1305795 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $636K |
| REED GROUP EIN 84-0733950 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $287K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $272K |
| WELLS FARGO EIN 94-1347393 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $39K |
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 | 9,270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,352 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 15,433 | $886K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 17,620 | $4.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,186 | $1.1M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 17,620 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,620 | — |
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.