| 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 | SECURIAN LIFE INSURANCE COMPANY | $55K | $149K | $204K | 3.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $40K | $40K | 1.76% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING LLC | 100 NORTHFIELD DR, 3RD FL WINDSOR, CT 06095 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $7K | $20K | 2.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMIN 40590 PO BOX 850502 MINNEAPOLIS, MN 55485 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $206K | — | $206K | 24.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 1.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMIN 40590 PO BOX 850502 MINNEAPOLIS, MN 55485 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $153K | — | $153K | 24.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, ID 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $9K | $9K | 1.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMIN 40590 PO BOX 850502 MINNEAPOLIS, MN 55485 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $146K | — | $146K | 25.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 1.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $37K | — | $37K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 335 MADISON AVENUE NEW YORK, NY 10017 | ACE AMERICAN INSURANCE COMPANY | $8K | — | $8K | 7.00% |
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 | 17,626 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,316 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,942 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 790 | $6.2M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,378 | $612K |
| Vision(2 contracts) | EYEMED VISION CARE | 24,654 | $1.5M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 24,023 | $6.5M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16,594 | $3.2M |
| Prescription drug(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 790 | $6.2M |
| Other(8 contracts, 6 carriers) | SECURIAN LIFE INSURANCE COMPANY | 24,023 | $9.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,654 | — |
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.