Form 5500 · Employee benefit plan · COLDWATER, OH
MERCER HEALTH MEDICAL GROUP
The filing calls this plan MERCER HEALTH MEDICAL GROUP PLAN.
MERCER HEALTH MEDICAL GROUP of COLDWATER, OH is a 593-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is HEMMELGARN BENEFITS, LLC. Coverage is written through RELIANCE STANDARD LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 34-1957399 · plan 501 · plan year 2025, filed Oct 15, 2025
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126 other employer plans in Ohio have policy years ending in March. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 2 insured contracts covering health, dental, vision, life and disability; the largest, with RELIANCE STANDARD LIFE INSURANCE COMPANY, covers 616 people.
Reported premium across the insured contracts is $733,510, with $122,991 in disclosed broker commissions — about 17% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
HEMMELGARN BENEFITS, LLC is the broker of record on all 2 contracts.
Two carriers split the book: RELIANCE STANDARD LIFE INSURANCE COMPANY and DELTA DENTAL OF OHIO.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Health, Life, Disability | 616 | Apr 1, 2025 | $372,614 | $73,486 |
| DELTA DENTAL OF OHIO | Dental, Vision | 1,173 | Apr 1, 2025 | $360,896 | $49,505 |
Premium and claims on this contract
DELTA DENTAL OF OHIO, contract 10787. For the contract year on this filing, the carrier reported $359,926 in premium earned and $309,748 in claims incurred. Dividing one by the other gives 86%.
- DELTA DENTAL OF OHIO, contract 10787 reported $74,669 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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