Auto, Home, Recoop | Disclosure of Compensation

Auto, Home, Recoop | Disclosure of Compensation  


Mercer Health & Benefits Administration LLC is the insurance producer for the following insurers and insurance products. As the insurance producer, we will provide you with comparable quotes from the available insurers for your particular program and will work with you to select an insurer. Please note we may provide these insurers additional services which may include underwriting, billing, and premium collection. While other insurers may be available in the insurance marketplace, these are the only quotes we will be offering.


In accordance with industry custom, we are compensated through commissions that are calculated as a percentage of the insurance premiums charged by insurers. We may also receive additional monetary and nonmonetary compensation from insurers, or from other insurance intermediaries, which may be contingent upon volume, growth or retention of business. This compensation may include payment from insurers for marketing related expenses or investments in technology. Our compensation may vary depending on the type of insurance purchased and the insurer selected. The carrier(s) available to you include the following commissions in their quotes. You may also request additional information about Mercer’s compensation by calling 1-888-206-5088.


Commission Matrix

(all carriers not available to all groups)



American Modern

Personal Lines

Up to 12.0%

American Strategic Insurance


Up to 15.0%

Liberty Mutual

Personal Lines

Up to 18.5%

Farmers GroupSelect®

Personal Lines

Up to 17.4%


Personal Lines

Up to 13.0%


Personal Lines

Up to 14.0%


Personal Lines

Up to 20.0%1

Universal Ins Co of North America


Up to 15.0%

Recoop Disaster Insurance

Disaster Insurance

Up to 15.0%


Where permitted by law, when Mercer Health & Benefits Administration LLC conducts billing and collection of premium, we may also earn and retain interest income on premiums held by Mercer Health & Benefits Administration LLC on behalf of insurers during the period between receipt of such payments from clients and the time such payments are remitted to the applicable insurer.


Marsh & McLennan Companies and its subsidiaries own equity interests in certain insurers and have contractual arrangements with certain insurers and wholesale brokers. Information regarding such interests and contracts is available at Information on material ownership, if any, that a quoting insurer has in Marsh & McLennan Companies or its subsidiaries is available upon request.


Mercer is prohibited by law in most states from altering the amount of compensation received from the insurer based in whole or in part on the sale of this insurance.2




In addition to the retail commission earned, Mercer Health & Benefits Administration LLC and/or Mercer Health & Benefits Insurance Services LLC may also earn an additional 1% of total premium as enhanced commission and a 3% quarterly sales over ride on Automobile new written premium, 1.75% on all other lines.

2Anti-rebating laws in most states prohibit Mercer from altering the amount of compensation received from the insurer based in whole or in part on the sale of this insurance.