| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 1966 MORRISTOWN, NY 079621001 | SYMETRA LIFE INSURANCE COMPANY | $99K | — | $99K | 7.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | SYMETRA LIFE INSURANCE COMPANY | — | $18K | $18K | 1.25% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352442858 | BCS INSURANCE COMPANY | $27K | $38K | $65K | 17.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 445 SOUTH STREET SUITE 210 MORRISTOWN, NJ 07960 | DELTA DENTAL OF PENNSYLVANIA | $5K | — | $5K | 6.22% |
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 | 4,582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 71 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 7,851 | $5.4M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 7,851 | $5.4M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 7,851 | $5.4M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,647 | $1.8M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 7,851 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,851 | — |
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.