| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC0 Filed as: MERCER HEALTH AND BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM BLUE CROSS AND BLUE SHIELD | $328K | $0 | $328K | 0.49% |
| MBL ADVISORS INC3 | SUITE 100 1017 EAST MOREHEAD ST CHARLOTTE, NC 28204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $390K | $224K | $614K | 35.34% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $59K | $59K | 3.39% |
| LOCKWOOD INSURANCE3 Filed as: LOCKWOOD, LUTHER, AMOS | 1017 E MOREHEAD ST CHARLOTTE, NC 28204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 0.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $125K | — | $125K | 8.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $107K | — | $107K | 9.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 9.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 3560 LENOX ROAD SUITE 2400 ATLANTA, GA 30326 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $304 | $304 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DISCOVERY BENEFITS INC EIN 90-0058554 NONE | Contract Administrator Service code 13 | 4321 20TH AVE SOUTH FARGO, ND 58103 | $63K |
| CAPIN CROUSE LLP EIN 36-3990892 NONE | Accounting (including auditing) Service code 10 | 1255 LAKES PARKWAY SUITE 105 LAWRENCEVILLE, GA 30043 | $25K |
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 | 3,412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 235 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 3,581 | $67.5M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 3,581 | $71.7M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 3,581 | $68.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 3,307 | $1.5M |
| Short-term disability | STANDARD INSURANCE COMPANY | 312 | $102K |
| Long-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2,651 | $2.9M |
| Prescription drug | ANTHEM BLUE CROSS AND BLUE SHIELD | 3,581 | $67.4M |
| Other | STANDARD INSURANCE COMPANY | 2,651 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,581 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.