| 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. | — | $112K | $112K | 2.40% |
| 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 | $18K | — | $18K | 1.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 41-1289245 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $6.8M |
| MEDCO EIN 52-1305795 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $771K |
| REED GROUP EIN 84-0733950 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $549K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $294K |
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 | 10,411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,406 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 46 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 16,301 | $822K |
| Life insurance | AETNA LIFE INSURANCE CO. | 13,674 | $4.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,911 | $1.2M |
| Other | AETNA LIFE INSURANCE CO. | 13,674 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,301 | — |
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.