| 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 | $60K | — | $60K | 4.61% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $148 | $2K | 37.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 501 MERRITT 7, FLOOR 5 NORWALK, CT 06856 | UNITEDHEALTHCARE INSURANCE COMPANY | $160 | — | $160 | 3.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $277 | — | $277 | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | $66 | $186 | 60.00% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $1.3M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 131 | $4K |
| Life insurance | STANDARD INSURANCE COMPANY | 389 | $43K |
| Short-term disability | STANDARD INSURANCE COMPANY | 389 | $44K |
| Long-term disability | STANDARD INSURANCE COMPANY | 389 | $41K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $1.3M |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 389 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.