| 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 60674 | DELTA DENTAL INSURANCE COMPANY | $132K | — | $132K | 2.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $105K | $24 | $105K | 2.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $93K | $93K | 2.47% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $57 | $57 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $97K | $24 | $97K | 2.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $86K | $86K | 2.46% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $64K | $64K | 2.44% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $24 | $48K | 1.84% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $602K | — | $602K | 26.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $84K | — | $84K | 7.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS OF FLORIDA | $14K | $2K | $17K | 11.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $24 | $2K | 2.83% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.41% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 23.56% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.28% |
| GARY W JOHNSON3 | 123 CENTER PARK DRIVE STE 123 KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.19% |
| DONALD P KREDENSOR3 | 1112 RIVER WALK DR SIMPSONVILLE, SC 29681 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| DAYTON LLC3 | 221 SERENITY DR PICKENS, SC 29671 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| JUSTIN M GUIDI3 | 1039 44TH AVE NORTH STE 101 MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $640 | — | $640 | 7.17% |
| NEWSOM RAYMOND P3 | 80 INTERNATIONAL DR STE 425 GREENVILLE, SC 29615 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $829 | — | $829 | 11.03% |
| ANDREW L MOORE3 | 4695 MACARTHUR CT STE 1000 NEWPORT BEACH, CA 92660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $98 | — | $98 | 1.30% |
| HENRY W MCCRAY3 | 1050 CROWN POINTE PKWY STE 1500 ATLANTA, GA 30338 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICA NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 25.00% |
No Schedule C service providers reported on this filing.
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 | 18,338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 13,724 | $2.3M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 16,826 | $5.4M |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 14,008 | $1.1M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,172 | $3.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,803 | $2.6M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,122 | $3.8M |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,724 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,826 | — |
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.