| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $32K | $41K | 1.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | P.O BOX 896620 CHARLOTTE, NC 282896620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $16K | $21K | 0.55% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 15.53% |
| MCGRIFF INSURANCE SERVICES INC3 | 333 S. GARLAND AVE STE 1600 ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 2.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 15.55% |
| MCGRIFF INSURANCE SERVICES INC3 | 333 S. GARLAND AVE STE 1600 ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.51% |
| MCGRIFF INSURANCE SERVICES INC3 | 333 S. GARLAND AVE STE 1600 ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $176 | $3K | 21.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 333 S. GARLAND AVE STE 1700 ORLANDO, FL 32801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52 | — | $52 | 0.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $107 | $2K | 21.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 333 S. GARLAND AVE STE 1700 ORLANDO, FL 32801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20 | — | $20 | 0.28% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $409 | — | $409 | 15.62% |
| MCGRIFF INSURANCE SERVICES INC3 | 333 S. GARLAND AVE STE 1600 ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $76 | — | $76 | 2.90% |
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 | 664 | 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) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 374 | $3.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 374 | $3.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 374 | $3.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 796 | $175K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $59K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $106K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 374 | $3.9M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 664 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 796 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.