| 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 | $127K | $46K | $173K | 4.75% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $33K | — | $33K | 1.72% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $20K | $20K | 1.07% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $23K | — | $23K | 2.02% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NC 10087 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 2.21% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $24K | $719 | $25K | 8.22% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | $535 | $14K | 10.12% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER H&B ADMIN, LLC. | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 11.69% |
| STEVEN R KARAS | 222 WARD ST NEWTON CENTRE, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.02% |
| DAVID S HALLETT | 8 BROOKS ST WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 23.14% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 3.28% |
| WILLIS TOWERS WATSON US LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $889 | — | $889 | 5.00% |
| AMERICAN BENEFIT & COMPENSATION SYS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$223 | — | -$223 | -1.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 12421 MEREDITH DRIVE URBANDALE, IL 50398 | BEAZLEY INSURANCE COMPANY, INC. | $949 | — | $949 | 17.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | AMALGAMATED LIFE INSURANCE COMPANY | $698 | — | $698 | 15.00% |
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 | 13,020 | 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) | 13,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 515 | $3.7M |
| Dental(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 569 | $160K |
| Vision(2 contracts) | EYEMED VISION CARE | 14,562 | $1.1M |
| Life insurance(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 19,780 | $3.7M |
| Short-term disability | BEAZLEY INSURANCE COMPANY, INC. | 109 | $5K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,985 | $1.9M |
| Other(7 contracts, 7 carriers) | HARTFORD LIFE AND ACCIDENT | 13,036 | $631K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,780 | — |
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.