| 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 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 0.48% |
| TEXCAP CONCORD INSURANCE SERVICES3 Filed as: TEXCAP-CONCORD INS. SERVICES LP | 13465 MIDWAY ROAD NO 200 DALLAS, TX 75244 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 0.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 3.17% |
| TEXCAP CONCORD INSURANCE SERVICES3 Filed as: TEXCAP-CONCORD INSURANCE SERVICES | 13465 MIDWAY RD STE 200 DALLAS, TX 752445168 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 2.20% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 700 AIRPORT BLVD. SUITE 300 BURLINGAME, CA 940101931 | KAISER FOUNDATION HEALTH PLAN INC. | $583 | — | $583 | 0.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $473 | $5K | 7.85% |
| TEXCAP CONCORD INSURANCE SERVICES3 | 12404 PARK CENTRAL DRIVE SUITE 200-N DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.87% |
| OPES ONE ADVISORS LLC3 | 15303 DALLAS PARKWAY SUITE 550 ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42 | — | $42 | 0.06% |
| TEXCAP CONCORD INSURANCE SERVICES3 Filed as: TEXCAP CONCORD INS. SERVICES LP | 12404 PARK CENTRAL DR #200-N DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $600 | — | $600 | 1.13% |
| TEXCAP CONCORD INSURANCE SERVICES3 Filed as: TEXCAP CONCORD INS SERVICES LP | 12404 PARK CENTRAL DR #200-N DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 40.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.63% |
| TEXCAP CONCORD INSURANCE SERVICES3 Filed as: TEXCAP CONCORD INS SERVICES LP | 12404 PARK CENTRAL DR #200-N DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MECER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.97% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 509 | $2.4M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 509 | $2.2M |
| Vision | STANDARD INSURANCE COMPANY | 294 | $30K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $144K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $66K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $66K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 509 | $2.4M |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 481 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.