| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | — | $10K | $10K | 0.90% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $682 | $682 | 0.21% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | — | $93 | $93 | 0.07% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 5775-E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 2.01% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 5775-E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 2.22% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 5775-E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 2.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $601 | $5K | 16.92% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 5775-E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 18.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $248 | — | $248 | 1.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $237 | $2K | 16.26% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 5775-E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $798 | $798 | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $735 | — | $735 | 5.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $201 | $1K | 15.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $573 | — | $573 | 6.30% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 5773-E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $546 | $546 | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4556 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $988 | $128 | $1K | 16.95% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 5775-E GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $395 | $395 | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMINIST | PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS, INC. | $521 | $35 | $556 | 20.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMINIST | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS, INC. | $43 | $61 | $104 | 3.90% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANTA INSURANCE SERVICES, INC. | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS, INC. | — | $5 | $5 | 0.19% |
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 | 625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA HEALTH, INC. | 437 | $3.6M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 674 | $318K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 674 | $318K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 518 | $88K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 518 | $54K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 518 | $59K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 74 | $642K |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 518 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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.