| 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. | $55K | $0 | $55K | 3.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 501 MERRITT 7, FLOOR 5 NORWALK, CT 68517 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $0 | $23K | 3.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 501 MERITT 7 NORWALK, CT 06856 | HARTFORD LIFE AND ACCIDENT | $71K | $0 | $71K | 11.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $12K | $12K | 1.90% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | $0 | $6K | 3.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER (US) INC. | P O BOX 13793 NEWARK, NJ 07188 | METLIFE LEGAL PLANS | $3K | $60 | $3K | 15.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 100260 PASADENA, CA 91189 | METLIFE LEGAL PLANS | $0 | $249 | $249 | 1.27% |
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 | 1,038 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,051 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 182 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,064 | $636K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,064 | $636K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,050 | $621K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,050 | $621K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,050 | $621K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 182 | $1.5M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,050 | $641K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,064 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.