| 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% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY | $86K | $43K | $129K | 3.62% |
| RGA WEALTH MANAGEMENT GROUP INC3 | 99 PARK AVE RM 1910 NEW YORK, NY 10016 | KAISER FOUNDATION HEALTH PLAN INC. | $81K | — | $81K | 3.04% |
| 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. | $76K | — | $76K | 3.05% |
| RGA WEALTH MANAGEMENT GROUP INC3 Filed as: RGA WEALTH MANAGEMENT GROUP | 99 PARK AVE, SUITE 1910 NEW YORK, NY 10016 | UPMC HEALTH PLAN | $62K | — | $62K | 4.07% |
| RGA WEALTH MANAGEMENT GROUP INC3 Filed as: RGA WEALTH MANAGEMENT GROUP | 99 PARK AVE, SUITE 1910 NEW YORK, NY 10016 | UPMC HEALTH PLAN | $871 | — | $871 | 0.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET NEW YORK, NY 10038 | AMERICAN INTERNATIONAL LIFE | $81K | — | $81K | 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 | 11,099 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 334 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA INC. | 2,223 | $500K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL FINANCIAL | 29,891 | $23.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 26,334 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,891 | — |
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.