| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $177K | $89K | $265K | 3.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $184K | — | $184K | 6.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHERN TRUST EIN 36-1561860 NONE | Custodial (securities); Investment management fees paid directly by plan; Investment advisory (plan); Trustee (bank, trust company, or similar financial institution); Soft dollars commissions; Direct payment from the plan Service code 19 | — | $114K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $65K |
| PORTER, WRIGHT, MORRIS & ARTHUR EIN 31-4373657 NONE | Legal; Direct payment from the plan Service code 29 | — | $20K |
| KPMG NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 345 PARK AVENUE NEW YORK, NY 10154 | $10K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,883 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 257 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 15,697 | $7.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 15,697 | $7.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 15,697 | $7.0M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 3,243 | $2.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 15,697 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,697 | — |
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.