| 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 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $105K | $105K | 1.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $98K | $98K | 1.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $66K | $66K | 1.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 110 WALL STREET NEW YORK, NY 10038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 4.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN GENERAL INSURANCE COMPANY | $23K | $2K | $25K | 10.20% |
| FIDELITY HEALTH INSURANCE SERVICES5 | 220 SEAPORT BOULEVARD V2B BOSTON, MA 02210 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $9K | $9K | 3.54% |
| BROWN AND BROWN OF FLORIDA, INC.5 Filed as: BROWN & BROWN OF FLORIDA, INC. | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $3K | $3K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $149 | $149 | 0.06% |
| AON CONSULTING INC3 Filed as: AON | ONE LIBERTY PLAZA SUITE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | — |
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 | 7,269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 306 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 124 | $3.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,969 | $6.8M |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 10,519 | $851K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 11,572 | $7.3M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,340 | $5.0M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,572 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,969 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.