| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL FINANCIAL | $200K | — | $200K | 0.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL FINANCIAL | $200K | — | $200K | 0.86% |
| HATTERAS5 | 56 PARK ROAD TINTON FALLS, NJ 07724 | PRUDENTIAL FINANCIAL | — | $1K | $1K | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY | $85K | $43K | $128K | 3.75% |
| COX, DOUGLAUS PAUL | 7811 SENDERO ANGELICA SAN DIEGO, CA 92127 | UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 0.06% |
| RGA WEALTH MANAGEMENT GROUP INC3 Filed as: RGA WEALTH MANAGEMENT INC | 99 PARK AVE RM 1910 NEW YORK, NY 10016 | KAISER FOUNDATION HEALTH PLAN INC. | $93K | — | $93K | 3.17% |
| RGA WEALTH MANAGEMENT GROUP INC3 | 99 PARK AVE RM 1910 NEW YORK, NY 10016 | KAISER FOUNDATION HEALTH PLAN INC. | $81K | — | $81K | 2.96% |
| RGA WEALTH MANAGEMENT GROUP INC3 Filed as: RGA WEALTH MANAGEMENT GROUP | 99 PARK AVE, SUITE 1910 NEW YORK, NY 10016 | UPMC HEALTH PLAN | $81K | — | $81K | 3.99% |
| RGA WEALTH MANAGEMENT GROUP INC3 Filed as: RGA WEALTH MANAGEMENT GROUP | 99 PARK AVE, SUITE 1910 NEW YORK, NY 10016 | UPMC HEALTH PLAN | $96 | — | $96 | 0.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 2300 MAIN STREET 700 IRVINE, CA 92614 | AETNA INC. | $91 | — | $91 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET NEW YORK, NY 10038 | AMERICAN INTERNATIONAL LIFE | $73K | — | $73K | 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 | 14,162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,466 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA INC. | 2,750 | $603K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL FINANCIAL | 34,015 | $23.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 19,961 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,015 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.