| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HEALTH ALLIANCE MEDICAL PLANS | $15K | — | $15K | 2.07% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $12K | — | $12K | 9.76% |
| WEB TPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $4K | — | $4K | 2.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TRANSAMERICA INSURANCE CO. | $3K | — | $3K | 2.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE NORTH SUITE 725 BIRMINGHAM, AL 35203 | THE STANDARD INSURANCE CO | $11K | — | $11K | 12.97% |
| AMWINS5 | 50 WHITECAP DR. NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE | $3K | — | $3K | 9.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STONEBRIDGE LIFE | $689 | — | $689 | 2.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER HEALTH & BENEFITS EIN 34-2015463 BROKER | Insurance agents and brokers Service code 22 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $21K |
| AMWINS EIN 05-0461576 AGENT | Insurance agents and brokers Service code 22 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | $15K |
| WILLIS OF ALABAMA INC. BROKER | Insurance agents and brokers Service code 22 | 2101 6TH AVE NORTH SUITE 725 BIRMINGHAM, AL 35203 | $11K |
| CONNECTICUT GENERAL LIFE INS CO. EIN 06-0303370 CLAIM ADMIN | Other services; Participant communication; Direct payment from the plan; Float revenue; Contract Administrator; Claims processing; Non-monetary compensation; Named fiduciary Service code 12 | — | $7K |
| CONNECTICULT GENERAL LIFE INS CO | Participant communication; Named fiduciary; Other services; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Direct payment from the plan Service code 12 | — | $0 |
| CONNECTICUT GENERAL INS CO | Other services; Participant communication; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Contract Administrator; Named fiduciary Service code 12 | — | $0 |
| CONNECTICUT GENERAL LIFE INS CO | Non-monetary compensation; Claims processing; Float revenue; Direct payment from the plan; Contract Administrator; Participant communication; Named fiduciary; Other services Service code 12 | — | $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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 294 | $1.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 294 | $1.1M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 294 | $1.1M |
| Life insurance | THE STANDARD INSURANCE CO | 198 | $85K |
| Long-term disability | THE STANDARD INSURANCE CO | 198 | $85K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 294 | $1.8M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 294 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.