| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1225 17TH STREET, STE 1300 DENVER, CO 80202 | HCC LIFE INSURANCE COMPANY | $83K | — | $83K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HCC LIFE INSURANCE COMPANY | — | $13K | $13K | 1.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $99 | $33K | 5.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 2.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $400K |
| PEAK ADVISORY CONSULTING LLC NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 14188 LENEXA, KS 66285 | $60K |
| MERCER HEALTH & BENEFITS LLC EIN 34-2015463 BROKER | Other commissions Service code 55 | — | $44K |
| CIGNA HEALTH AND LIFE INSUR CO EIN 59-1031071 CLAIM ADMINISTRATION | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Float revenue Service code 12 | — | $36K |
| FORVIS MAZARS LLP EIN 44-0160260 AUDITORS | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $26K |
| COGNIZANT TECHNOLOGY SOLUTIONS NONE | Other services; Direct payment from the plan Service code 49 | 300 FRANK W BURR BLVD STE 36 6TH FL TEANECK, NJ 07666 | $20K |
| HUB INTERNATIONAL GREAT PLAINS NONE | Direct payment from the plan; Actuarial Service code 11 | 11516 MIRACLE HILLS DRIVE, STE 100 OMAHA, NE 68154 | $17K |
| HEALTH ADVOCATE SOLUTIONS INC NONE | Direct payment from the plan; Participant communication Service code 38 | 3043 WALTON ROAD PLYMOUTH MEETING, PA 19462 | $7K |
| EYEMED VISION CARE CLAIMS PROCESSOR | Direct payment from the plan; Claims processing Service code 12 | 4000 LUXOTTICA PLACE MASON, OH 45040 | $5K |
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 | 1,155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 260 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,574 | $565K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,574 | $565K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 694 | $831K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,574 | $565K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,574 | — |
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.