| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $183K | $0 | $183K | 0.47% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | -$28 | $0 | -$28 | -0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $73K | $0 | $73K | 0.65% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 0.87% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 0.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $15K | $0 | $15K | 10.10% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 100260 PASADENA, CA 91189 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 0.89% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55402 | RELIASTAR LIFE INSURANCE COMPANY | $21K | $0 | $21K | 18.58% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 1.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $24K | — | $24K | 21.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.48% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $34 | $34 | 0.03% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $0 | $2 | $2 | 0.00% |
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 | 3,556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 4,610 | $50.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 4,915 | $2.4M |
| Vision(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 4,610 | $39.6M |
| Life insurance | STANDARD INSURANCE COMPANY | 3,255 | $1.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,942 | $1.2M |
| Prescription drug(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 4,610 | $50.4M |
| Other(8 contracts, 8 carriers) | STANDARD INSURANCE COMPANY | 3,500 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,915 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.