| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | ANTHEM BLUE CROSS AND BLUE SHIELD | $441K | — | $441K | 0.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $169K | — | $169K | 9.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $142K | — | $142K | 9.34% |
| MBL ADVISORS INC3 | SUITE 100 1017 EAST MOREHEAD ST CHARLOTTE, NC 28204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $175K | $74K | $248K | 24.04% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $25K | $25K | 2.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DISCOVERY BENEFITS EIN 90-0058554 NONE | Contract Administrator Service code 13 | 4321 20TH AVENUE SOUTH FARGO, ND 58103 | $45K |
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 | 7,261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 153 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD | 16,235 | $78.3M |
| Dental | ANTHEM BLUE CROSS AND BLUE SHIELD | 16,235 | $78.3M |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 16,235 | $78.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 6,452 | $1.9M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,016 | $2.6M |
| Prescription drug | ANTHEM BLUE CROSS AND BLUE SHIELD | 16,235 | $78.3M |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS AND BLUE SHIELD | 16,235 | $78.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,235 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.