| 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 | $120K | $138 | $120K | 5.40% |
| 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 | $87K | — | $87K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | EYEMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | $16K | — | $16K | 5.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE CO OF NA (CIGNA) VOLUNTARY CRITICAL ILLNESS | $136K | — | $136K | 65.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE CO OF NA (CIGNA) ACCIDENTAL INJURY | $93K | — | $93K | 65.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE CO OF NA (CIGNA) VOLUNTARY HOSPITAL CARE | $87K | — | $87K | 65.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | MET LIFE (F/K/A HYATT) LEGAL PLANS | $7K | $42 | $7K | 9.29% |
| 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 | — | $143K |
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 | 11,619 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 11,619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,528 | $2.2M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | 4,650 | $296K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY STOP LOSS | 2,752 | $1.7M |
| Other(5 contracts, 5 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 11,619 | $776K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,619 | — |
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.