| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $186K | $0 | $186K | 4.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, 31ST FLOOR SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | $56K | $0 | $56K | 1.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $319 | $23K | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 601 SOUTH FIGUEROA STREET LOS ANGELES, CA 90017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 3.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | AETNA LIFE INSURANCE COMPANY | $963 | — | $963 | 1.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $7K | $0 | $7K | 13.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4 EMBARCADERO CENTER, SUITE 40 SAN FRANSISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $265 | — | $265 | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $355 | $0 | $355 | 7.38% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | METLIFE LEGAL PLANS | $128 | $0 | $128 | 2.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | METLIFE LEGAL PLANS | $0 | $126 | $126 | 2.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 100260 PASADENA, CA 91189 | METLIFE LEGAL PLANS | $0 | $60 | $60 | 1.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER, INC. | PO BOX 13793 NEWARK, NJ 07188 | METLIFE LEGAL PLANS | $0 | $13 | $13 | 0.27% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1620 FIFTH AVENUE SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | $0 | $4 | $4 | 0.08% |
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 | 570 | 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) | 570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 570 | $3.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 570 | $3.8M |
| Vision | VISION SERVICE PLAN | 309 | $51K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 570 | $195K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 570 | $188K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 570 | $188K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 570 | $3.8M |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,384 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,384 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.