| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS INC | 456 MONTGOMERY STREET SUITE 1600 SAN FRANCISCO, CA 94104 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $167K | — | $167K | 3.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $31K | — | $31K | 0.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS, INC. | 456 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 0.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 0.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 101 MONTGOMERY STREET 14TH FLOOR SAN FRANCISCO, CA 94104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $10K | $37K | 8.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $1K | $27K | 6.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $418 | — | $418 | 0.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS | 456 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 | VISION SERVICE PLAN | $1K | — | $1K | 2.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $452 | — | $452 | 0.98% |
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 | 595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 682 | $5.8M |
| Dental(2 contracts, 2 carriers) | SIMNSA | 609 | $870K |
| Vision | VISION SERVICE PLAN | 340 | $46K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 609 | $415K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 609 | $415K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 609 | $415K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 609 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.