| 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 | AETNA LIFE INSURANCE CO. | $161K | — | $161K | 4.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | — | $63K | $63K | 1.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | — | $24K | $24K | 0.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: TRMERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, PA 60674 | AETNA LIFE INSURANCE CO. | — | $24K | $24K | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP-MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE CO. | — | $21K | $21K | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP-MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE CO. | — | $429 | $429 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP-MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE CO. | — | -$42K | -$42K | -1.16% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $20K | — | $20K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS | P.O. BOX 310502 DES MOINES, IA 50331 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | — | $4K | 15.08% |
| JOHN J. HALPIN4 | 428 S.DUNTON AVE. ARLINGTON HTS, IL 60005 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 3.78% |
| RICAEDIA LLC4 | 116 VILLAGE BLVD STE 200 PRINCETON, NJ 08540 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $21 | — | $21 | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 701 MARKET STREET SUITE 1100 ST. LOUIS, MO 63101 | ZURICH AMERICAN INSURANCE COMPANY | $6K | — | $6K | 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 | 1,520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INTERNATIONAL | 57 | $392K |
| Dental | AETNA INTERNATIONAL | 57 | $392K |
| Vision | VISION SERVICE PLAN | 1,223 | $202K |
| Life insurance | AETNA LIFE INSURANCE CO. | 3,420 | $3.6M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 3,420 | $3.6M |
| Other(3 contracts, 3 carriers) | FEDERAL INSURANCE COMPANY | 4,881 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,881 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.