| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $32 | $20K | 3.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1225 17TH STREET, STE 1300 DENVER, CO 80202 | HCC LIFE INSURANCE COMPANY | $27K | — | $27K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HCC LIFE INSURANCE COMPANY | — | $4K | $4K | 1.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $344K |
| PEAK ADVISORY CONSULTING LLC NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 14188 LENEXA, KS 66285 | $93K |
| CIGNA HEALTH AND LIFE INSUR CO EIN 59-1031071 CLAIM ADMINISTRATION | Non-monetary compensation; Claims processing; Participant communication; Contract Administrator; Named fiduciary; Direct payment from the plan; Other services; Float revenue Service code 12 | — | $69K |
| MERCER HEALTH & BENEFITS LLC EIN 34-2015463 BROKER | Other commissions Service code 55 | — | $46K |
| FORVIS MAZARS LLP EIN 44-0160260 AUDITORS | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $29K |
| HUB INTERNATIONAL GREAT PLAINS NONE | Actuarial; Direct payment from the plan Service code 11 | 11516 MIRACLE HILLS DRIVE, STE 100 OMAHA, NE 68154 | $16K |
| 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 | $14K |
| WEST HEALTH ADVOCATE SOLUTIONS INC NONE | Participant communication; Direct payment from the plan Service code 38 | 3043 WALTON ROAD PLYMOUTH MEETING, PA 19462 | $6K |
| EYEMED VISION CARE CLAIMS PROCESSOR | Claims processing; Direct payment from the plan 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 | 1,388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 256 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,538 | $530K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,538 | $530K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,185 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,538 | $530K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,538 | — |
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."
No prospect flags tripped on this filing.