| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 28198 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $74K | $0 | $74K | 8.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 9465 NEW YORK, NY 10087 | NIPPON LIFE INSURANCE COMPANY | $39K | $0 | $39K | 8.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 28198 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $0 | $21K | 8.50% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | DBA CORESTREAM 3606 ENTERPRISE AVE, STE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $2K | $124 | $2K | 7.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMINISTRATION LLC PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | $721 | $77 | $798 | 3.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $0 | $58 | $58 | 0.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | $3K | $0 | $3K | 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 | 1,695 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 123 | $2.3M |
| Dental | NIPPON LIFE INSURANCE COMPANY | 43 | $483K |
| Vision | NIPPON LIFE INSURANCE COMPANY | 43 | $483K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,995 | $872K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,406 | $249K |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 123 | $2.3M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,610 | $473K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,995 | $910K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,610 | — |
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.