| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1050 CONNECTICUT AVE NW SUITE 700 WASHINGTON, DC 20036 | GROUP HOSPITALIZATION MEDICAL SERVICES INC. | — | $382K | $382K | 2.60% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1050 CONNECTICUT AVE NW SUITE 700 WASHINGTON, DC 20036 | GROUP HOSPITALIZATION MEDICAL SERVICES INC. | — | $36K | $36K | 0.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $12K | $7K | $20K | 3.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $14K | $3K | $17K | 6.71% |
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 | 798 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 808 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES INC. | 2,017 | $14.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,769 | $1.2M |
| Vision | VISION SERVICE PLAN | 707 | $317K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 798 | $558K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 798 | $257K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES INC. | 2,017 | $14.7M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 798 | $587K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,017 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.