| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROCCO MANCINI3 Filed as: ROCCO P MANCINI | 153 NORTON STREET WATERBURY, CT 06708 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2 | -$482 | -$484 | -0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADM. | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNITEDHEALTHCARE INSURANCE COMPANY | -$186 | -$176K | -$176K | -0.81% |
| MERCER HEALTH AND BENEFITS, LLC3 | 3560 LENOX ROAD NE SUITE 2400 ATLANTA, GA 30326 | UNITEDHEALTHCARE INSURANCE COMPANY | $527K | -$838K | -$310K | -1.44% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF MINNESOTA | $54K | — | $54K | 5.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $57K | $0 | $57K | 5.76% |
| ZONE CLIMATE SERVICES, INC.3 | 370 WABASHA STREET NORTH SUITE 1700 ST PAUL, MN 55102 | STANDARD INSURANCE COMPANY | $0 | $25K | $25K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $36K | $0 | $36K | 5.10% |
| ZONE CLIMATE SERVICES, INC.3 | 370 WABASHA ST NORTH NORTH 1700 ST PAUL, MN 55102 | STANDARD INSURANCE COMPANY | $0 | $16K | $16K | 2.28% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 NORTH WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN, INC. | $16K | $0 | $16K | 2.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $21K | $0 | $21K | 5.14% |
| ZONE CLIMATE SERVICES, INC.3 | 370 WABASHA STREET NORTH SUITE 1700 ST PAUL, MN 55102 | STANDARD INSURANCE COMPANY | $0 | $10K | $10K | 2.37% |
| MERCER HEALTH AND BENEFITS, LLC3 | 333 SOUTH 7TH STREET, SUITE 1400 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 4.59% |
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 | 2,207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,137 | $22.3M |
| Dental | DELTA DENTAL OF MINNESOTA | 3,252 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,137 | $21.6M |
| Life insurance | STANDARD INSURANCE COMPANY | 2,175 | $992K |
| Short-term disability | STANDARD INSURANCE COMPANY | 2,175 | $703K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,175 | $401K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,137 | $22.3M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,175 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,252 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.