| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE AND HEALTH INSURANCE COMPANY | $362K | $13K | $375K | 17.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE AND HEALTH INSURANCE COMPANY | $362K | $11K | $373K | 17.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $18K | — | $18K | 2.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $219K | — | $219K | 57.90% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN., INC. | 101 S GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | — | $5K | $5K | 1.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN, INC. | $16K | — | $16K | 4.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN, INC | $15K | — | $15K | 5.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMININSTRATION | PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS OF FLORIDA | $12K | $2K | $14K | 14.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 121 RIVER STREET FLOOR 5 HOBOKEN, NJ 07030 | METLIFE LEGAL PLANS OF FLORIDA | — | $161 | $161 | 0.17% |
| ASHTON BENEFITS3 Filed as: ASHTON BENEFITS CORP | 500 SYLVAN AVENUE SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | METLIFE LEGAL PLANS OF FLORIDA | -$53 | — | -$53 | -0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 3.68% |
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 | 5,353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 42 | $640K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 8,113 | $3.5M |
| Vision | VISION SERVICE PLAN | 4,371 | $655K |
| Life insurance(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY | 5,353 | $4.2M |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 5,353 | $2.1M |
| Long-term disability(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY | 5,353 | $4.2M |
| Prescription drug(3 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 42 | $640K |
| Other(4 contracts, 4 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 8,113 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,113 | — |
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.