| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $337K | $0 | $337K | 8.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $18K | $22K | 1.34% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $22K | $22K | 1.31% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 0.75% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $51 | $51 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12 | $12 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $32K | $0 | $32K | 4.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | AETNA LIFE INSURANCE COMPANY | $315K | $0 | $315K | 45.81% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $80K | $0 | $80K | 11.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $10K | $21K | 3.40% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $28 | $28 | 0.00% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $23 | $23 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.30% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.75% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | AETNA LIFE INSURANCE COMPANY | $204K | $0 | $204K | 44.11% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN GENERAL INSURANCE COMPANY | $39K | $0 | $39K | 16.94% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $6K | $6K | 2.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 100260 PASADENA, CA 91189 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $3K | $3K | 1.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER (US) INC. | PO BOX 13793 NEWARK, NJ 07188 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $760 | $760 | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS FLOOR 9 NEW YORK, NY 10036 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $5 | $5 | 0.00% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 12.74% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $17K | $0 | $17K | 7.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.32% |
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 | 57,447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 365 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 57,812 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,438 | $3.2M |
| Dental(4 contracts, 3 carriers) | DELTA DENTAL INSURANCE COMPANY | 11,451 | $4.8M |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 10,219 | $941K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,052 | $1.7M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,444 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,962 | $552K |
| Prescription drug(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,438 | $3.2M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 43,246 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43,246 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.