| 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 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $329K | $32K | $361K | 5.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $295K | $88K | $383K | 6.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 44 WHIPPANY ROAD MORRISTOWN, NJ 07960 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $116K | — | $116K | 7.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $81K | $6K | $88K | 10.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $457 | $28 | $485 | 5.31% |
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 | 14,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 604 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 93 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITEDHEALTHCARE OF CALIFORNIA | 500 | $10.1M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF CALIFORNIA | 27,189 | $16.0M |
| Vision(3 contracts, 3 carriers) | UNITEDHEALTHCARE OF CALIFORNIA | 9,819 | $7.9M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,103 | $5.9M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 15 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 12,436 | $6.6M |
| Prescription drug(4 contracts, 4 carriers) | UNITEDHEALTHCARE OF CALIFORNIA | 500 | $10.1M |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,103 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,189 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.