| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRINCIPAL LIFE INSURANCE COMPANY | $270K | — | $270K | 4.75% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1301 DOVE ST # 200 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $103K | — | $103K | 1.82% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $24K | — | $24K | 0.56% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 0.32% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $29K | — | $29K | 0.75% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1301 DOVE STREET, STE 200 NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 0.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $5K | — | $5K | 0.47% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $4K | — | $4K | 0.37% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 0.85% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST, FLOOR 6 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 0.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $68K | — | $68K | 8.40% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $27K | — | $27K | 3.33% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | PO BOX 120670 SAN DIEGO, CA 92112 | RELIASTAR LIFE INSURANCE COMPANY | $8K | — | $8K | 1.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 0.73% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $1K | — | $1K | 0.34% |
| MELANIE STANGL3 | 17901 VON KARMAN AVENUE SUITE 1000 IRVINE, CA 92614 | PAN-AMERICAN LIFE INSURANCE COMPANY | $550 | — | $550 | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.06% |
| GROUP BENEFIT OPTIONS3 | 2 CORPORATE DR, STE 636 SHELTON, CT 06484 | ZURICH AMERICAN INSURANCE COMPANY | $10K | — | $10K | 9.65% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, STE 200 NEWPORT BEACH, CA 92660 | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.29% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $601 | — | $601 | 0.72% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $49 | $5K | 9.63% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.91% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $729 | $90 | $819 | 1.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 777 SO FIGEROA ST LOS ANGELES, CA 90017 | LLOYDS OF LONDON | $9K | — | $9K | 24.36% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1301 DOVE ST. SUITE 200 NEWPORT BEACH, CA 92660 | LLOYDS OF LONDON | $192 | — | $192 | 0.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.63% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.19% |
| GROUP BENEFIT OPTIONS3 | 2 CORPORATE DR, STE 636 SHELTON, CT 06484 | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 9.45% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURNACE SERVICES, INC. | 1301 DOVE STREET, STE 200 NEWPORT BEACH, CA 92660 | ZURICH AMERICAN INSURANCE COMPANY | $181 | — | $181 | 1.36% |
| GROUP BENEFIT OPTIONS3 | 2 CORPORATE DR, STE 636 SHELTON, CT 06484 | ZURICH AMERICAN INSURANCE COMPANY | $221 | — | $221 | 9.70% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, STE 200 NEWPORT BEACH, CA 92660 | ZURICH AMERICAN INSURANCE COMPANY | $29 | — | $29 | 1.27% |
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 | 14,329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 200 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 12,907 | $6.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 12,614 | $3.9M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 6,971 | $1.0M |
| Life insurance(5 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 16,564 | $5.9M |
| Short-term disability(3 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 16,564 | $5.8M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 16,564 | $5.7M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 787 | $5.8M |
| Other(7 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 49,007 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49,007 | — |
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.