| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | — | $852 | $852 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $10K | -$10K | $162 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $57 | $27K | 2.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD, BLDG 5 STE 200 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $42 | $24K | 2.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $1K | — | $1K | 1.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD, BLDG 5 STE 200 RADNOR, PA 19087 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 8.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS - DRUG | — | $142 | $142 | 0.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE DR. CHICAGO, IL 60674 | PRINCIPAL LIFE INSURANCE COMPANY | $981 | — | $981 | 4.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD, BLDG 5 RADNOR, PA 19087 | PRINCIPAL LIFE INSURANCE COMPANY | $794 | — | $794 | 3.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD, BLDG 5 STE 200 RADNOR, PA 19087 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 89.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 61.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD, BLDG 5 STE 200 RADNOR, PA 19087 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2533.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1896.94% |
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 | 1,854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 105 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,974 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 274 | $9.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 0 | $20K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 1,560 | $1.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,404 | $977K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 0 | $20K |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 273 | $1.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 4,404 | $977K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,404 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.