| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 501 MERRITT 7, FLOOR 5 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $88K | $0 | $88K | 2.83% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 ARCH STREET, 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 7.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 13793 NEWARK, NJ 07188 | STANDARD INSURANCE COMPANY | $863 | $0 | $863 | 1.56% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 ARCH STREET, 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 8.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 13793 NEWARK, NJ 07188 | STANDARD INSURANCE COMPANY | $866 | $0 | $866 | 1.61% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 ARCH STREET, 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 7.81% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 13793 NEWARK, NJ 07188 | STANDARD INSURANCE COMPANY | $821 | $0 | $821 | 1.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $166 | $2K | 16.22% |
| MERCER HEALTH AND BENEFITS, LLC3 | 601 MERRITT NORWALK, CT 06856 | UNITEDHEALTHCARE INSURANCE COMPANY | $160 | $0 | $160 | 2.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $356 | $0 | $356 | 9.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $668 | $47 | $715 | 31.62% |
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 | 392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $3.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $3.1M |
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 314 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 351 | $54K |
| Short-term disability | STANDARD INSURANCE COMPANY | 349 | $55K |
| Long-term disability | STANDARD INSURANCE COMPANY | 349 | $53K |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 351 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
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.