| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 125 OTTAWA AVE NW STE 400 CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $178K | — | $178K | 1.10% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE STE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $100K | $55K | $155K | 4.24% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS | $44K | $9K | $54K | 2.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 121 RIVER STREET FL 5 HOBOKEN, NJ 07030 | HYATT LEGAL PLANS | — | $4K | $4K | 0.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 27447 NEW YORK, NY 10087 | HYATT LEGAL PLANS | — | $2K | $2K | 0.12% |
| RICHTER INTERNATIONAL CONSULTING3 | 317 NW GILLMAN BLVD, SUITE 11 ISSAQUAH, WA 98027 | FOUR EVER LIFE INSURANCE CO. | $87K | — | $87K | 10.00% |
| RICHTER INTERNATIONAL CONSULTING3 | 317 NW GILMAN BLVD #51 ISSAQUAH, WA 98027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $110K | — | $110K | 20.00% |
| 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 | 27,710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 603 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 5,326 | $22.9M |
| Dental | FOUR EVER LIFE INSURANCE CO. | 150 | $870K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 27,710 | $16.2M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 27,358 | $3.7M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 5,326 | $22.9M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 27,710 | $18.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,710 | — |
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.