| 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 | $109K | $95 | $109K | 4.97% |
| 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 | $66K | — | $66K | 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 | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLANS HYDREL | $2K | — | $2K | 0.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | EYEMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | $13K | $46 | $13K | 4.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | ALLSTATE-AMERICAN HERITAGE LIFE INS | $71K | — | $71K | 26.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | ALLSTATE-AMERICAN HERITAGE LIFE INS | $22K | — | $22K | 14.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | HYATT LEGAL PLANS | $6K | $70 | $6K | 11.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | EYEMED VISION CARE COBRA FIDELITY SECURITY LIFE INSURANCE | — | $3 | $3 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE-CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $2.5M |
| EXPRESS SCRIPTS EIN 42-1420563 NONE-CONTRACT ADMIN | Contract Administrator Service code 13 | — | $140K |
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 | 11,787 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 11,787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ALLSTATE-AMERICAN HERITAGE LIFE INS | 724 | $414K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,250 | $2.2M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | 4,872 | $289K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY STOP LOSS | 2,809 | $1.3M |
| Other(4 contracts, 3 carriers) | ALLSTATE-AMERICAN HERITAGE LIFE INS | 11,787 | $713K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,787 | — |
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."
No prospect flags tripped on this filing.