| 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 | $126K | $69K | $195K | 5.84% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $46K | — | $46K | 1.93% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 LOCKBOX 28852 NEW YORK, NC 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $21K | $21K | 0.99% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $22K | — | $22K | 2.01% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 NEW YORK, NC 10087 | KAISER FOUNDATION HEALTH PLAN INC | $24K | — | $24K | 2.68% |
| WILLIS TOWERS WATSON US LLC3 | 4301 W BOY SCOUT BLVD SUITE 570 TAMPA, FL 33607 | HARTFORD LIFE AND ACCIDENT | $44K | — | $44K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | $816 | $18K | 9.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMIN, LLC. | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 8.31% |
| STEVEN R KARAS3 | 200 COMMONWEALTH AVE SUITE 110 NEWTOWN, MA 02466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.02% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 2.23% |
| AMERICAN BENEFIT & COMPENSATION SYS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 2.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 16.17% |
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 | 13,604 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 509 | $4.4M |
| Dental(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,302 | $294K |
| Vision(2 contracts) | EYEMED VISION CARE | 15,921 | $1.2M |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 21,490 | $3.5M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,044 | $2.3M |
| Other(6 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 15,113 | $736K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,490 | — |
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.