| 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 | $99K | $42 | $99K | 4.68% |
| 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 | $90K | — | $90K | 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 | $12K | — | $12K | 4.56% |
| 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 | $21K | — | $21K | 9.72% |
| 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 | $15K | — | $15K | 9.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE CO OF NA (CIGNA) ACCIDENTAL INJURY | $14K | — | $14K | 10.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | MET LIFE LEGAL PLANS | $7K | $24 | $7K | 10.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE-CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $2.2M |
| EXPRESS SCRIPTS EIN 42-1420563 NONE-CONTRACT ADMIN | Contract Administrator Service code 13 | — | $180K |
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 | 11,866 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 11,866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,147 | $2.1M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | 4,394 | $277K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY STOP LOSS | 2,568 | $1.8M |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE CO OF NA (CIGNA) VOLUNTARY CRITICAL ILLNESS | 11,866 | $803K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,866 | — |
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.