| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF ARIZONA | $127K | — | $127K | 1.44% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF ARIZONA | $84K | — | $84K | 0.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 2325 E CAMELBACK ROAD, SUITE 600 PHOENIX, AA 85016 | SYMETRA LIFE INSURANCE COMPANY | $12K | $3K | $15K | 3.87% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | SYMETRA LIFE INSURANCE COMPANY | $5K | $7K | $12K | 3.07% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $806 | — | $806 | 1.61% |
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 | 769 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,126 | $8.8M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,126 | $8.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 962 | $50K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 735 | $390K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 735 | $390K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 735 | $390K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,126 | $8.8M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 735 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,126 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.