| 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 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $36K | $9K | $45K | 2.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - ATL | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $18K | $18K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $11K | $34K | 7.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNIEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $97K | $3K | $99K | 45.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 10447 DES MOINES, IA 50306 | SYMETRA LIFE INSURANCE COMPANY | $20K | $2K | $22K | 10.97% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 1 INVESTORS WAY, MAILSTOP N-5-C NORWOOD, MA 02062 | SYMETRA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNIEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | $2K | $55K | 49.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNIEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $1K | $51K | 50.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $5K | $2K | $7K | 11.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $86 | $86 | 2.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - ATL | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $26 | $4 | $30 | 17.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1 INVESTORS WAY, MAILSTOP N-5-C NORWOOD, MA 02062 | SYMETRA LIFE INSURANCE COMPANY | — | — | $0 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | COMPANION LIFE INSURANCE COMPANY | — | — | $0 | — |
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | BEAZLEY INSURANCE COMPANY, INC. | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF GEORGIA EIN 58-1638390 | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 3350 PEACHTREE ROAD N.E. ATLANTA, GA 30302 | $2.4M |
| MERCER HEALTH & BENEFITS LLC EIN 34-2015463 | Non-monetary compensation; Contract Administrator; Insurance agents and brokers; Other services; Other commissions; Claims processing; Insurance brokerage commissions and fees Service code 12 | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | $93K |
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 | 3,447 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,219 | $2.5M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 3,447 | $1.9M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,176 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,401 | $714K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 352 | $3K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,412 | $457K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,176 | $2.1M |
| Other(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,176 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,447 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.