| 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 | UNITED CONCORDIA INSURANCE COMPANY | $111K | $41K | $152K | 3.71% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 08736 | UNITED CONCORDIA INSURANCE COMPANY | $84K | — | $84K | 2.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1801 WEST END AVENUE NASHVILLE, TN 37203 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $32K | — | $32K | 2.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 1.50% |
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON FINANCIAL SERICE INC. | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 08736 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 1.00% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 08736 | AETNA LIFE INSURANCE CO. | $66K | — | $66K | 7.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 1.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 1.44% |
| WINSTON FINANCIAL SERVICE INC.3 | 2399 HIGHWAY 34 BUILDING C2 NABASQYAB, NJ 08736 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 0.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $793 | — | $793 | 1.49% |
| WINSTON FINANCIAL SERVICE INC.3 | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 08736 | AETNA LIFE INSURANCE CO. | $529 | — | $529 | 0.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $603 | — | $603 | 1.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $360 | — | $360 | 1.48% |
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 | 12,742 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 280 | $1.5M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 18,177 | $4.1M |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY | 14,806 | $1.2M |
| Life insurance(3 contracts) | AETNA LIFE INSURANCE CO. | 6,588 | $944K |
| Short-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 6,194 | $1.7M |
| Long-term disability(4 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 2,155 | $2.0M |
| Other(9 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 12,742 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,177 | — |
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.