| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $90 | $90 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 4170 ASHWOOD DUNWOODY RD SUITE 100 ATLANTA, GA 30319 | $788K |
| MERCER HEALTH AND BENEFITS EIN 34-2015463 BROKER | Other commissions Service code 55 | 3560 LENOX ROAD SUITE 2400 ATLANTA, GA 30326 | $150K |
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 | 1,314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE SERVICES INC | 17 | $214K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,923 | $1.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,923 | $1.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,923 | $1.6M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE SERVICES INC | 2,401 | $748K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,923 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,923 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.