| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $62K | $4K | $66K | 6.41% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $2K | $28K | 6.41% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | $2K | $40K | 10.41% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $1K | $17K | 6.41% |
| VARIOUS - SEE ATTACHMENT3 | 501 U.S. HIGHWAY 22 2ND FLOOR - WEST BRIDGEWATER, NJ 08807 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | $4K | $76K | 33.65% |
| VARIOUS - SEE ATTACHMENT3 Filed as: VARIOUS - SEE ATTACHMENTS | 501 U.S. HIGHWAY 22 2ND FLOOR - WEST BRIDGEWATER, NJ 08807 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $4K | $66K | 35.15% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 8.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC. | 500 WEST MADISON STREET, SUITE 2760 CHICAGO, IL 60661 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 6.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET, SUITE 2760 CHICAGO, IL 606614563 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $179 | $6K | 5.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $42 | $5K | 3.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET, SUITE 2760 CHICAGO, IL 606614563 | METROPOLITAN LIFE INSURANCE COMPANY | — | $66 | $66 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.01% |
| VARIOUS - SEE ATTACHMENT3 Filed as: VARIOUS - SEE ATTACHMENTS | 501 U.S. HIGHWAY 22 2ND FLOOR - WEST BRIDGEWATER, NJ 08807 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $1K | $36K | 36.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $120 | — | $120 | 9.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC. | 500 WEST MADISON STREET, SUITE 2760 CHICAGO, IL 60661 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $68 | — | $68 | 5.57% |
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 | 1,882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $99K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,703 | $185K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,882 | $396K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,452 | $1.0M |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 637 | $814K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,882 | $683K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,703 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.