| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR, STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $206K | — | $206K | 4.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $158K | — | $158K | 5.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $26K | $26K | 0.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR, STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $6K | — | $6K | 20.00% |
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 | 2,989 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 769 | $4.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 25 | $206K |
| Vision | AETNA LIFE INSURANCE COMPANY | 25 | $206K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,974 | $2.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,974 | $2.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,974 | $2.8M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 769 | $4.3M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 3,626 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,626 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.