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Mercer Health & Benefits Administration LLC Disclosure

Mercer Health & Benefits Administration LLC* (Mercer) facilitates the placement of insurance coverage on behalf it's our clients.

Mercer and its subsidiaries own equity interests in certain insurers and wholesale brokers. Information regarding such interests is available at www.mercer.com/transparency.

In accordance with industry custom, Mercer is compensated through commissions that are calculated as a percentage of the insurance premiums charged by insures. This compensation may include payment from insurers for marketing related expenses or investments in technology. Mercer's compensation may vary depending on the type of insurance purchased and the insurer selected.

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.

In addition, Mercer may receive additional compensation from insurers, which may be contingent upon such factors as volume, growth or retention of business, based upon policies sold during a specific period of a calendar year. For additional details, please call Mercer at 1-888-206-5088.

*In California, d/b/a Mercer Health & Benefits Insurance Services, CA Insurance License #0G39709