| 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 | — | $78K | $78K | 0.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $42 | $16K | 0.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INSURANCE SERVIC | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 1.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHERN TRUST COMPANY EIN 36-1561860 CUSTODY & FEES | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $79K |
| UNITED HEALTHCARE INSURANCE EIN 36-2739571 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $60K |
| STANDARD INSURANCE COMPANY EIN 93-0242990 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $42K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4008324 ACCOUNTING | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $34K |
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 | 72,897 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 72,897 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 2,434 | $9.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 19 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 11,347 | $9.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,347 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.