| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: BSWIFT LLC | PO BOX 860470 MINNEAPOLIS, MN 554860470 | METROPOLITAN LIFE INSURANCE COMPANY | — | $191K | $191K | 3.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $91K | $91K | 1.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $77K | $100 | $77K | 1.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | VISION SERVICE PLAN | $23K | — | $23K | 1.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $192K | $9K | $201K | 37.20% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | PO BOX 860470 MINNEAPOLIS, MN 554860470 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26K | $26K | 4.82% |
| MERCER HEALTH AND BENEFITS, LLC0 Filed as: MERCER HEALTH & BENEFITS ADM LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $98K | $8K | $106K | 22.37% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | PO BOX 860470 MINNEAPOLIS, MN 554860470 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23K | $23K | 4.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $113K | $6K | $119K | 34.42% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | PO BOX 860470 MINNEAPOLIS, MN 554860470 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17K | $17K | 4.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITSS LLC | 800 MARKET STREET, STE 1800 ST LOUIS, MO 63101 | NATIONAL UNION FIRE INS COMPANY | $1K | — | $1K | 25.00% |
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 | 21,450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 87 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $24K |
| Vision | VISION SERVICE PLAN | 10,897 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 28,625 | $5.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 28,625 | $5.3M |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 28,625 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,625 | — |
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.