| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $142 | $142 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $5K | $331 | $5K | 4.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 NONE | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $285K |
| DELTA DENTAL OF NEW YORK EIN 11-1980218 NONE | Contract Administrator; Claims processing Service code 12 | — | $20K |
| SUN LIFE AND HEALTH INS CO (U.S.) EIN 06-0893662 NONE | Contract Administrator; Claims processing Service code 12 | — | $14K |
| DISCOVERY BENEFITS, LLC. NONE | Contract Administrator; Claims processing Service code 12 | 4321 20TH AVENUE S. FARGO, ND 58103 | $13K |
| MERCER HEALTH & BENEFITS LLC NONE | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $11K |
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 | 438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 467 | $282K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 467 | $282K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 438 | $107K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 438 | $107K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 438 | $107K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 467 | $282K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 438 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.