| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HM LIFE INSURANCE COMPANY | $146K | — | $146K | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $98K | $68 | $98K | 5.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | EYMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | $12K | — | $12K | 4.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED HEALTHCARE INSURANCE COMPANY | $58K | — | $58K | 32.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY - LEGAL PLAN | $7K | — | $7K | 11.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE COBRA FIDELITY SECURITY LIFE INSURANCE | $1K | — | $1K | 51.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE-CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.7M |
| EXPRESS SCRIPTS EIN 42-1420563 NONE - CONTRACT ADMINISTR | Other services; Contract Administrator Service code 13 | — | $169K |
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 | 12,402 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 3,152 | $179K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,950 | $2.0M |
| Vision(2 contracts, 2 carriers) | EYMED VISION CARE FIDELITY SECURITY LIFE INSURANCE | 4,193 | $255K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 2,467 | $2.4M |
| Other(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 12,402 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,402 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.