| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $153K | $38 | $153K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $64K | $64K | 0.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $247K |
| UNITED HEALTHCARE INSURANCE EIN 36-2739571 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $214K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4008324 ACCOUNTING | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $119K |
| CAPITAL GUARDIAN TRUST COMPANY(INTL EIN 95-2559868 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan Service code 28 | — | $91K |
| CENTURYTEL SERVICE GROUP LLC EIN 72-1432917 ADMINISTRATION | Plan Administrator; Direct payment from the plan Service code 14 | — | $88K |
| STANDARD INSURANCE COMPANY EIN 93-0242990 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $77K |
| HIGHMARK EIN 23-1294723 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $41K |
| LION INDUSTRIAL TRUST EIN 65-1162344 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $36K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $29K |
| ALBOURNE AMERICA LLC EIN 91-2164625 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $6K |
| THE TOWNSEND GROUP EIN 45-3073569 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $5K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74,155 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 74,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 808 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 22 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 12,239 | $7.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,239 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.