| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 601 MERRITT SUITE 7 NORWALK, CT 06856 | HARTFORD LIFE AND ACCIDENT | $110K | — | $110K | 7.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | HARTFORD LIFE AND ACCIDENT | $74K | — | $74K | 5.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $20K | $20K | 1.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $60K | — | $60K | 5.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $3K | — | $3K | 2.02% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $21K | — | $21K | 17.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | TRANSAMERICA INSURANCE COMPANY | $4K | — | $4K | 3.51% |
| WEB TPA5 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE COMPANY | $2K | — | $2K | 1.83% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ELIXIR INSURANCE COMPANY PRESCRIPTION DRUG PLAN | $1K | — | $1K | 4.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GULF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | ELIXIR INSURANCE COMPANY PRESCRIPTION DRUG PLAN | $305 | — | $305 | 1.29% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | $3K | — | $3K | 11.88% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 30.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS FL 9 NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $964 | — | $964 | 25.00% |
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 | 1,336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 164 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 1,336 | $3.0M |
| Vision | VISION SERVICE PLAN | 875 | $166K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,336 | $1.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,336 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,336 | $1.5M |
| Prescription drug(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 176 | $1.5M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,624 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,624 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.