| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $178K | $52K | $230K | 7.14% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVE STE 2E MADISON, NJ 07940 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $73K | $73K | 2.28% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N UPPER WACKER DRIVE CHICAGO, IL 60606 | DEAN HEALTH PLAN INC. | $40K | — | $40K | 1.63% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $53K | — | $53K | 2.92% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $38K | $38K | 2.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 1.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $90K | $24K | $114K | 7.01% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $36K | $36K | 2.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $46K | — | $46K | 4.86% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $14K | — | $14K | 1.85% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $150K | $9K | $159K | 27.51% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVENUE SUITE 201 MADISON, NJ 07940 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16 | $16 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $170K | $8K | $179K | 31.87% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE STE. 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $5K | — | $5K | 1.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE. 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 3.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $69K | $4K | $72K | 30.09% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE STE. 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TRIPLE S SALUD, INC. | $5K | — | $5K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $4K | — | $4K | 1.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC OF PHI | 1717 ARCH ST. 27TH FLOOR PHILADELPHIA, PA 19103 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $3K | — | $3K | 1.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $12K | $2K | $14K | 13.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1166 AVENUE OF THE AMERICAS FLOOR 9 NEW YORK, NY 100362708 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $3 | $3 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN GENERAL INSURANCE COMPANY | $9K | $2K | $11K | 12.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10028 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $2K | — | $2K | 1.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $5K | — | $5K | 25.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $238 | $77 | $315 | 19.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.75% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 201 MADISON, NJ 07940 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7 | $7 | 0.44% |
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 | 10,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 11 carriers) | DEAN HEALTH PLAN INC. | 4,149 | $8.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 15,634 | $5.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 26,453 | $950K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,444 | $3.2M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,922 | $1.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,755 | $1.6M |
| Prescription drug(8 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 133 | $2.0M |
| Other(9 contracts, 6 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,610 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,453 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.