| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $3K | $2K | $2K | +19.3% |
| Broker comp per covered life | $11 | $33 | $47 | -65.7% |
| Broker comp % of premium | 0.4% | 2.3% | 2.6% | -1.9 pp |
| Retention rate | 0.0% | 0.0% | 0.8% | |
| Premium YoY % | 5.7% | -9.2% | -4.5% | +14.8 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | — | $247K | $247K | 0.64% |
| MERCER HEALTH AND BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $543K | $200K | $743K | 2.05% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | — | $142K | $142K | 0.64% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | — | $35K | $35K | 0.64% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | — | $26K | $26K | 0.64% |
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 | 106,684 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,375 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,407 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110,466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 106,684 | $160.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 106,684 | $4.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 106,684 | $1.6M |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 100,460 | $60.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 89,138 | $36.2M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 106,684 | $157.1M |
| Other(6 contracts, 5 carriers) | LYRA CLINICAL ASSOCIATES P.C. | 106,684 | $19.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106,684 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.