| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM BLUE CROSS AND BLUE SHIELD | $604K | — | $604K | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $269K | — | $269K | 7.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $189K | — | $189K | 7.97% |
| MBL ADVISORS INC3 | SUITE 100 1017 EAST MOREHEAD ST CHARLOTTE, NC 28204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $271K | $158K | $428K | 24.62% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $43K | $43K | 2.47% |
| LOCKWOOD INSURANCE3 Filed as: LOCKWOOD, LUTHER, AMOS | 1017 E MOREHEAD ST CHARLOTTE, NC 28204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $257 | $7K | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM EIN 58-0469845 NONE | Participant communication Service code 38 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $182K |
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 | 11,408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 246 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD | 23,133 | $121.1M |
| Dental | ANTHEM BLUE CROSS AND BLUE SHIELD | 23,133 | $121.1M |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 23,133 | $121.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 8,812 | $3.5M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,279 | $4.1M |
| Prescription drug | ANTHEM BLUE CROSS AND BLUE SHIELD | 23,133 | $121.1M |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS AND BLUE SHIELD | 23,133 | $121.1M |
| Other | STANDARD INSURANCE COMPANY | 3,279 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,133 | — |
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.