| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH USA, INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 100362774 | PRUDENTIAL | $0 | $146K | $146K | 3.63% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER | PO BOX 310072 DES MOINES, IA 50398 | PRUDENTIAL | $44K | $286 | $44K | 1.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HLTH&BFTS ADMIN, LLC | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $12K | 6.79% |
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 | 8,155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 557 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 18,903 | $7.4M |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 18,607 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL | 10,508 | $7.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,024 | $1.5M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL | 8,024 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,903 | — |
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.