| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 501 MERRITT 7 FL 5 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $84K | $457K | $540K | 4.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 3.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 3031 N ROCKY POINT DR W STE 700 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 1.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $33K | — | $33K | 3.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $65K | — | $65K | 10.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 5.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 501 MERRITT 7 FL 5 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 4.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 DORAL, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | -$106 | $161 | $55 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 501 MERRITT 7 FL 5 NORWALK, CT 068517000 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 3.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 10.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 19.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC | $363 | — | $363 | 1.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 1 INVESTOR WAY NORWOOD, MA 02062 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $277 | — | $277 | 3.46% |
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 | 1,410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 131 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,891 | $16.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,891 | $12.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,891 | $12.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 704 | $620K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 94 | $193K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 2,891 | $12.7M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,262 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,891 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.