| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $92K | $92K | 1.46% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | BCS INSURANCE COMPANY | $179K | $298K | $477K | 16.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 1966 MORRISTOWN, NJ 07962 | SYMETRA LIFE INSURANCE COMPANY | $147K | $31K | $178K | 7.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $101K | $0 | $101K | 17.20% |
| MERCER HEALTH AND BENEFITS, LLC3 | 70 LINDEN OAKS, SUITE 310 ROCHESTER, NY 14625 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $23K | $0 | $23K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $15K | $0 | $15K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 100260 PASADENA, CA 91189 | METLIFE LEGAL PLANS | $0 | $224 | $224 | 0.15% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $0 | $362 | $362 | 0.56% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 5.52% |
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 | 4,404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENT HEALTH ASSOCIATION | 57 | $1.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 259 | $116K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,393 | $6.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,393 | $6.3M |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENT HEALTH ASSOCIATION | 1,923 | $2.3M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 2,745 | $5.4M |
| Other(6 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 4,409 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,409 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.