| 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 | $200K | — | $200K | 0.66% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 0.02% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE STE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $108K | $108K | 1.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, INC. | PO BOX 1215 ISSAQUAH, WA 98027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $91K | — | $91K | 10.00% |
| RICHTER INTERNATIONAL CONSULTING3 | 317 NW GILMAN BLVD #51 ISSAQUAH, WA 98027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $91K | — | $91K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 317 NW GILLMAN BLVD, SUITE 11 ISSAQUAH, WA 98027 | FOUR EVER LIFE INSURANCE CO. | $60K | — | $60K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 1215 ISSAQUAH, WA 98027 | FEDERAL INSURANCE COMPANY | $37K | $12K | $49K | 19.89% |
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 | 45,234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 480 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 45,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 8,518 | $42.5M |
| Dental | FOUR EVER LIFE INSURANCE CO. | 119 | $604K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 45,293 | $30.1M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 45,156 | $6.6M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 8,518 | $42.5M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 45,293 | $34.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45,293 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.