| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA HEALTH, INC. | $18K | — | $18K | 2.03% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $20K | — | $20K | 3.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | P.O. BOX 730071 DALLAS, TX 75373 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $4K | — | $4K | 1.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 17901 VON KARMAN AVE SUITE 1100 IRVINE, CA 92614 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 3.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $1K | — | $1K | 1.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $2K | $358 | $2K | 13.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | — | $49 | $49 | 0.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $334 | — | $334 | 1.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 17901 VON KARMAN AVE STE 1100 IRVINE, CA 92614 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | — | $2K | 16.43% |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 126 | $1.5M |
| Dental | AETNA LIFE INSURANCE CO. | 101 | $17K |
| Vision | VISION SERVICE PLAN | 414 | $82K |
| Life insurance | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 369 | $223K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 352 | $193K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 352 | $193K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 126 | $1.5M |
| Other(6 contracts, 4 carriers) | HYATT LEGAL PLANS | 369 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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."
No prospect flags tripped on this filing.