| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $116K | $116K | 0.74% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX #28852 NEW YORK, NY 28852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | — | $36K | 0.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 0.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 0.40% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX #28852 NEW YORK, NY 28852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 0.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.14% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX #28852 NEW YORK, NY 28852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 12421 MEREDITH DR URBANDALE, IA 50398 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 1.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 0.49% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX #28852 NEW YORK, NY 28852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $83K | $12K | $95K | 13.02% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IN 60069 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20K | $20K | 2.80% |
| ALIGHT SOLUTIONS3 | 901 MAIN ST STE 5800 ATTN DONNA DALLAS, TX 75202 | METROPOLITAN LIFE INSURANCE COMPANY | — | $92 | $92 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $135K | $5K | $140K | 41.75% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 2.79% |
| ALIGHT SOLUTIONS3 | 901 MAIN ST STE 5800 ATTN DONNA DALLAS, TX 75202 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 12421 MEREDITH DR URBANDALE, IA 50398 | HARTFORD LIFE AND ACCIDENT | — | -$254 | -$254 | -0.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $14K | 8.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 2.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 21.80% |
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 | 15,036 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 450 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(17 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,692 | $30.1M |
| Dental(8 contracts, 3 carriers) | DELTA DENTAL OF PENNSYLVANIA | 33,100 | $32.3M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 14,471 | $9.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 23,747 | $15.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 23,747 | $15.8M |
| Prescription drug(7 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,044 | $13.4M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA INC | 21,046 | $1.5M |
| Other(9 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 25,603 | $16.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,100 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.