| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $166K | $36K | $203K | 8.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $272K | $69K | $341K | 19.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $16K | $5K | $21K | 9.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | P O BOX 9023549 SAN JUAN, PR 009023549 | TRIPLE S SALUD, INC | $10K | — | $10K | 5.00% |
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 | 14,433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 312 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 321 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 253 | $3.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 50 | $1.4M |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 16,919 | $4.4M |
| Prescription drug | TRIPLE S SALUD, INC | 15 | $191K |
| Other(2 contracts, 2 carriers) | VALUEOPTIONS, INC | 17,635 | $579K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,635 | — |
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.