| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 333 S SEVENTH ST #1600 MINNEAPOLIS, MN 55402 | HIGHMARK, INC. | $38K | — | $38K | 0.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 214 N TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | HIGHMARK, INC. | $20K | — | $20K | 0.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $49 | $49 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $840 | $13K | 6.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILIS OF N CAROLINA | PO BOX 31817 CHARLOTTE, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 4.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $712 | $10K | 7.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF N CAROLINA | PO BOX 31817 CHARLOTTE, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $334 | $6K | 7.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | PO BOX 31817 CHARLOTTE, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.22% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $473 | $5K | 6.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILIS OF N CAROLINA | PO BOX 31817 CHARLOTTE, NC 28231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.65% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $281 | $4K | 6.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF N CAROLINA | PO BOX 31817 CHARLOTTE, NC 28231 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.36% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $371 | $3K | 6.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | PO BOX 31817 CHARLOTTE NC, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $134 | $2K | 5.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | PO BOX 31817 CHARLOTTE, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 730182 DALLAS, TN 753730182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $33 | $2K | 7.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF N CAROLINA | PO BOX 31817 CHARLOTTE, NC 283211817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $828 | — | $828 | 3.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $185 | $2K | 6.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | PO BOX 31817 CHARLOTTE, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $866 | — | $866 | 3.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PO BOX 730182 DALLAS, TX 753730182 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $1K | $194 | $1K | 7.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | PO BOX 31817 CHARLOTTE, NC 282311817 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $703 | — | $703 | 4.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCE HEALTH & BENEFITS LLC | PO BOX 730182 DALLAS, TX 753730182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $115 | $53 | $168 | 10.63% |
| WILIW OF N CAROLINA3 | PO BOX 31817 CHARLOTEE, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $59 | — | $59 | 3.73% |
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 | 1,158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 2,283 | $12.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,370 | $847K |
| Vision | VISION SERVICE PLAN | 1,106 | $110K |
| Life insurance(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 406 | $396K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 406 | $136K |
| Long-term disability(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 406 | $171K |
| Prescription drug | HIGHMARK, INC. | 2,283 | $12.5M |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 406 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,370 | — |
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.