| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $24K | — | $24K | 0.66% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $198K | — | $198K | 17.28% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CENTER, SUITE 40 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $79K | — | $79K | 6.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 MAIN STREET, SUITE 4400 DALLAS, TX 75201 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 0.67% |
| ANDREW MARTIN3 Filed as: ANDREW D. MARTIN | 1154 AZALEA BEND SUGARLAND, TX 77479 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.17% |
| ENTRUST AGENCIES INC3 Filed as: ENTRUST AGENCIES, INC. | 22322 GRAND CORNER DRIVE, SUITE 200 KATY, TX 77494 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 301 SOUTH COLLEGE STREET 19TH FLOOR CHARLOTTE, NC 28202 | VISION SERVICE PLAN | $9K | — | $9K | 3.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $5K | — | $5K | 1.70% |
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 | 10,842 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,734 | $4.7M |
| Vision | VISION SERVICE PLAN | 1,770 | $275K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,988 | $1.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,988 | $1.9M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 873 | $3.6M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,889 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,889 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.