| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS,LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4 | $7K | $7K | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $271K | — | $271K | 8.66% |
| VARIOUS - SEE ATTACHMENT3 | P.O. BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $570K | — | $570K | 24.73% |
| VARIOUS - SEE ATTACHMENT3 | 501 U.S. HIGHWAY 22 2ND FLOOR - WEST BRIDGEWATER, NJ 08807 | METROPOLITAN LIFE INSURANCE COMPANY | $227K | $263 | $227K | 20.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 0.17% |
| CAHILL INC3 | PO BOX 3191 ORLANDO, FL 328023191 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 13.42% |
| SEASIDE INSURANCE INC3 Filed as: SEASIDE INS | 201 S ORANGE AVENUE SUITE 250 ORLANDO, FL 328015005 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.35% |
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 | 23,069 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 126 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 6,718 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 17,491 | $10.5M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 26,306 | $2.9M |
| Life insurance(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 23,435 | $5.4M |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,267 | $5.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 23,225 | $3.6M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 23,435 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,306 | — |
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.