| 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 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | $85 | $78K | 4.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | SYMETRA LIFE INSURANCE COMPANY STOP LOSS | $57K | — | $57K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | KAISER FOUNDATION HEALTH PLANS SUNOPTICS | $22K | — | $22K | 4.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | KAISER FOUNDATION HEALTH PLANS HYDREL | $20K | — | $20K | 5.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | EYEMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | $12K | — | $12K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | ALLSTATE-AMERICAN HERITAGE LIFE INS | $56K | — | $56K | 24.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | ALLSTATE-AMERICAN HERITAGE LIFE INS | $42K | — | $42K | 27.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | HYATT LEGAL PLANS | $5K | $38 | $5K | 10.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE-CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $2.0M |
| EXPRESS SCRIPTS EIN 42-1420563 NONE-CONTRACT ADMIN | Contract Administrator Service code 13 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $13K |
| MERCER HEALTH & BENEFITS, LLC EIN 34-2015463 NONE-INSURANCE BROKER | Other commissions Service code 55 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | $0 |
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 | 8,647 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ALLSTATE-AMERICAN HERITAGE LIFE INS | 565 | $377K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,258 | $1.7M |
| Vision | EYEMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | 4,733 | $240K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY STOP LOSS | 2,626 | $1.1M |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 8,647 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,647 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.