| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $121K | $60K | $181K | 5.22% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 LOCKBOX 28852 NEW YORK, NC 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $18K | $18K | 0.66% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $40K | — | $40K | 1.66% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $23K | — | $23K | 1.84% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 NEW YORK, NC 10087 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 0.92% |
| WILLIS TOWERS WATSON US LLC3 | 4301 W BOY SCOUT BLVD SUITE 570 TAMPA, FL 33607 | HARTFORD LIFE AND ACCIDENT | $50K | $3K | $54K | 15.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | $1K | $17K | 10.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 13.09% |
| STEVEN R KARAS3 | 222 WARD ST NEWTON CENTRE, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.04% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.02% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 8.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 19.94% |
| AMERICAN BENEFIT & COMPENSATION SYS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 2.38% |
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 | 13,614 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 376 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,393 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 514 | $4.7M |
| Dental(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,258 | $276K |
| Vision(2 contracts) | EYEMED VISION CARE | 16,716 | $1.3M |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 24,279 | $3.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,245 | $2.7M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 14,966 | $714K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,279 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.