| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FOUR EVER LIFE INS CO. | $80K | — | $80K | 1.97% |
| ANTHEM INSURANCE COMPANIES, INC.0 Filed as: ANTHEM INSURANCE COMPANY | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INS CO. | — | $61K | $61K | 1.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYPSHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95K | $19K | $114K | 3.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $74K | — | $74K | 3.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYPSHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $11K | $11K | 0.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $10K | — | $10K | 1.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $83K | $83K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1050 CONNECTICUT AVENUE NW SUITE 700 WASHINGTON, DC 20036 | ZURICH AMERICAN INSURANCE COMPANY | $14K | — | $14K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 2.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1050 CONNECTICUT AVENUE NW SUITE 700 WASHINGTON, DC 20036 | ZURICH AMERICAN INSURANCE COMPANY | $28K | — | $28K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $14K | $14K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4 EMBARCADERO CENTER SUITE 400 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | — | $2K | 2.06% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $11K | $11K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1050 CONNECTICUT AVENUE NW SUITE 700 WASHINGTON, DC 20036 | ZURICH AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.99% |
| BENEPLACE, INC.3 Filed as: BENEPLACE | PO BOX 203550 AUSTIN, TX 78720 | HYATT LEGAL PLANS | $3K | $34 | $3K | 9.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $243 | — | $243 | 2.83% |
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 | 6,256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | FOUR EVER LIFE INS CO. | 789 | $6.6M |
| Vision | VISION SERVICE PLAN | 4,193 | $968K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,266 | $3.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,266 | $1.9M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 479 | $2.6M |
| Other(4 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 10,916 | $794K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,916 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.