| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF PENNSYLVANIA | $19K | $0 | $19K | 0.78% |
| GREENLEAF BENEFIT ADVISORS LLC3 Filed as: GREENLEAF BENEFIT ADVISORS, LLC. | 770 KIMBALL AVENUE WESTFIELD, NJ 07090 | SECURIAN LIFE INSURANCE COMPANY | $42K | $0 | $42K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $40K | $0 | $40K | 2.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $19K | $0 | $19K | 5.00% |
| GREENLEAF BENEFIT ADVISORS LLC3 Filed as: GREENLEAF BENEFIT ADVISORS | PO BOX 1442 MOUNTAINSIDE, NJ 07092 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.50% |
| J MANNING AND ASSOCIATES3 | UNKNOWN HANOVER, MD 21076 | COMBINED INSURANCE COMPANY | $13K | $0 | $13K | 8.04% |
| GREENLEAF BENEFIT ADVISORS LLC3 Filed as: GREENLEAF BENEFIT ADVISORS | UNKNOWN HANOVER, MD 21076 | COMBINED INSURANCE COMPANY | $13K | $0 | $13K | 7.66% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | UNKNOWN HANOVER, MD 21076 | COMBINED INSURANCE COMPANY | $6K | $0 | $6K | 3.45% |
| GREENLEAF BENEFIT ADVISORS LLC3 Filed as: GREENLEAF BENEFIT SERVICES, INC. | PO BOX 95287 CHICAGO, IL 60694 | FOUR EVER LIFE INS CO | $8K | $0 | $8K | 8.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $10K | $0 | $10K | 9.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | PO BOX 100260 PASADENA, CA 91189 | METLIFE LEGAL PLANS | $0 | $853 | $853 | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD SUITE 1130 MATAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 9.97% |
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 | 1,659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 207 | $1.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 4,533 | $2.6M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,502 | $479K |
| Life insurance(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 2,378 | $1.7M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,883 | $395K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 207 | $1.6M |
| Other(4 contracts, 4 carriers) | SPRING HEALTH | 2,296 | $899K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,533 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.