| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH &BENEFITS | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | HARVARD PILGRIM HEALTH CARE INC. | $229K | — | $229K | 2.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | THE HARTFORD | $196K | $174K | $370K | 3.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | THE HARTFORD | $194K | $185K | $378K | 3.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER PERMANENTE | $82K | $0 | $82K | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2300 RENASSAINCE BLVD. KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $241K | $27K | $268K | 16.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 75 STATE ST STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | — | -$6K | -$6K | -0.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | THE HARTFORD | $392K | $277K | $668K | 71.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | — | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $4K | $0 | $4K | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 75 STATE ST STE 1710 BOSTON, MA 02019 | THE HARTFORD | — | $179 | $179 | 1.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19380 | THE HARTFORD | — | -$179 | -$179 | -1.86% |
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 | 57,151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 57,151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 37,533 | $4.6M |
| Life insurance(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 78,720 | $17.5M |
| Long-term disability | THE HARTFORD | 34,827 | $9.8M |
| Other(2 contracts) | THE HARTFORD | 53,702 | $9.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78,720 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.