| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $195 | $0 | $195 | 0.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $56K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $29K |
| MERCER INVESTMENT CONSULTING EIN 61-0736136 NONE | Direct payment from the plan; Investment management fees paid directly by plan; Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $19K |
| DELOITTE TAX LLP EIN 86-1065772 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $9K |
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 | 2,872 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,014 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,894 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WILLIS TOWERS WATSON US LLC | 4,894 | $1.1M |
| Dental | WILLIS TOWERS WATSON US LLC | 4,894 | $998K |
| Vision(2 contracts, 2 carriers) | WILLIS TOWERS WATSON US LLC | 4,894 | $1.1M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,894 | $2.2M |
| Long-term disability(2 contracts, 2 carriers) | WILLIS TOWERS WATSON US LLC | 4,894 | $1.0M |
| Prescription drug(2 contracts, 2 carriers) | WILLIS TOWERS WATSON US LLC | 4,894 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,894 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.