| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 850502 MINNEAPOLIS, MA 554850502 | RELIASTAR LIFE INSURANCE COMPANY | $326K | — | $326K | 12.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | $9K | $62K | 10.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $21K | — | $21K | 10.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NIPPON LIFE BENEFITS | $6K | — | $6K | 5.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $940 | — | $940 | 3.93% |
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 | 1,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NIPPON LIFE BENEFITS | 23 | $157K |
| Dental(2 contracts, 2 carriers) | NIPPON LIFE BENEFITS | 23 | $157K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 886 | $241K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,041 | $2.6M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,010 | $573K |
| Prescription drug(2 contracts, 2 carriers) | NIPPON LIFE BENEFITS | 23 | $157K |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,041 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,041 | — |
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.