| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 333 S SEVENTH ST #1400 MINNEAPOLIS, MN 55402 | HIGHMARK | $77K | — | $77K | 0.58% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.52% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16 | $16 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS. SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE. 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $7K | $24K | 14.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $1K | $15K | 10.70% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $651 | $10K | 10.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $547 | $7K | 10.82% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 14.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $5K | 13.29% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $563 | $2K | 13.24% |
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 | 861 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 2,094 | $13.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,091 | $839K |
| Vision | VISION SERVICE PLAN | 994 | $106K |
| Life insurance(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 533 | $345K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 396 | $94K |
| Long-term disability(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 533 | $168K |
| Prescription drug | HIGHMARK | 2,094 | $13.2M |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 533 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,094 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.