| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 333 SOUTH SEVENTH STREET SUITE 1400 MINNEAPOLIS, MN 55402 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $80K | $0 | $80K | 0.81% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE AND HEALTH INSURANCE COMPANY | $37K | $13K | $50K | 7.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $6K | $13K | 2.90% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $8K | $345 | $8K | 10.44% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | — | $28 | $28 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 10.44% |
| UNKNOWN3 | UNKNOWN AMHERST, NY 14228 | BLUE CARE NETWORK OF MICHIGAN | $75 | $0 | $75 | 0.21% |
| UNKNOWN3 | UNKNOWN AMHERST, NY 14228 | BLUE CARE NETWORK OF MICHIGAN | $19 | $0 | $19 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $377 | $5K | 15.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $410 | $4K | 14.92% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $342 | $0 | $342 | 25.00% |
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 | 809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 1,320 | $10.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $444K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,212 | $77K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 838 | $667K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 838 | $667K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 838 | $667K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 1,320 | $9.9M |
| Other(4 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 838 | $766K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,320 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.