| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $126K | — | $126K | 1.16% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE STE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $45K | $45K | 1.80% |
| RICHTER INTERNATIONAL CONSULTING3 | 317 NW GILLMAN BLVD, SUITE 11 ISSAQUAH, WA 98027 | FOUR EVER LIFE INSURANCE CO. | $104K | — | $104K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS | $61K | — | $61K | 9.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS | $62K | — | $62K | 10.33% |
| RICHTER INTERNATIONAL CONSULTING3 Filed as: RICHTER INTERNATIONAL CONSULTINGLLC | 317 NW GILMAN BLVD #51 ISSAQUAH, WA 98027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | — | $39K | 10.00% |
| RICHTER INTERNATIONAL CONSULTING3 Filed as: RICHTER INTERNATIONAL COUNSULTING | 317 NW GILMAN BLVD #11 ISSAQUAH, WA 98027 | FEDERAL INSURANCE COMPANY | $21K | — | $21K | 15.00% |
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 | 19,824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 247 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,071 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,791 | $18.9M |
| Dental | FOUR EVER LIFE INSURANCE CO. | 172 | $1.0M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 19,824 | $10.9M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 19,706 | $2.5M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,791 | $18.9M |
| Other(7 contracts, 6 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 20,071 | $12.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,071 | — |
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.