| 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. | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $20K | $8K | $29K | 6.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 4.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SYMETRA LIFE INSURANCE COMPANY | $12K | $2K | $14K | 8.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.23% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 220 W. MAIN ST., SUITE 1855 LOUISVILLE, KY 40202 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $7K | $0 | $7K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $311 | $311 | 2.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KY INC EIN 61-1237516 | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 220 VIRGINIA AVENUE INDIANAPOLIS, IN 46204 | $2.1M |
| MERCER HEALTH & BENEFITS LLC EIN 34-2015463 | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other commissions; Claims processing Service code 12 | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | $0 |
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 | 4,170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SYMETRA LIFE INSURANCE COMPANY | 244 | $157K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 4,170 | $316K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,086 | $475K |
| Life insurance(5 contracts, 3 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 2,509 | $885K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 234 | $240K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,438 | $443K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,288 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,170 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.