| 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 | $104K | $49 | $104K | 4.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 3560 LENOX ROAD, NE SUITE 2400 ATLANTA, GA 30326 | SYMETRA LIFE INSURANCE COMPANY STOP LOSS | $61K | — | $61K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLANS SUNOPTICS | $29K | — | $29K | 4.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLANS HYDREL | $26K | — | $26K | 4.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | EYEMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | $14K | $143 | $15K | 5.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | ALLSTATE-AMERICAN HERITAGE LIFE INS | $64K | — | $64K | 22.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | ALLSTATE-AMERICAN HERITAGE LIFE INS | $36K | — | $36K | 17.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | HYATT LEGAL PLANS | $6K | $49 | $6K | 9.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE-CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $2.4M |
| EXPRESS SCRIPTS EIN 42-1420563 NONE-CONTRACT ADMIN | Contract Administrator Service code 13 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $50K |
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 | 11,567 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 11,567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ALLSTATE-AMERICAN HERITAGE LIFE INS | 628 | $481K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,121 | $2.1M |
| Vision | EYEMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | 4,782 | $290K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY STOP LOSS | 2,691 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 11,567 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,567 | — |
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.