| 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 | $0 | $78K | $78K | 1.47% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | BCS INSURANCE COMPANY | $155K | $259K | $414K | 16.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 1966 MORRISTOWN, NJ 07962 | SYMETRA LIFE INSURANCE COMPANY | $155K | $29K | $184K | 7.11% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $87K | $0 | $87K | 16.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | THOMAS FLYNN 70 LINDEN OAKS, SUITE 310 ROCHESTER, NY 14625 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $21K | $0 | $21K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $15K | $1K | $16K | 10.73% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF PENNSYLVANIA | $4K | $0 | $4K | 6.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD FIRE INSURANCE COMPANY | $0 | $2K | $2K | — |
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 | 4,687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENT HEALTH ASSOCIATION | 62 | $1.6M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 248 | $133K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,838 | $5.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,838 | $5.3M |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENT HEALTH ASSOCIATION | 1,951 | $2.1M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 3,010 | $5.2M |
| Other(6 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 7,838 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,838 | — |
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.