| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS CONSULT3 | 101 PARK AVENUE NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51K | — | $51K | 0.26% |
| AMERICAN BENEFITS CONSULT3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95K | — | $95K | 0.77% |
| AMERICAN BENEFITS CONSULT3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $72K | — | $72K | 0.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMINISTRATION LLC 1 INVESTORS WAY MAILSTOP N-5-C NORWOOD, MA 02062 | AETNA LIFE INSURANCE CO. | $1.1M | — | $1.1M | 30.22% |
| AMERICAN BENEFITS CONSULT3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 0.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $1 | $1 | 0.00% |
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 | 29,214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 306 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 18,646 | $19.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 9,794 | $2.4M |
| Vision(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 49,587 | $18.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 40,272 | $19.3M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 30,373 | $12.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 40,272 | $9.6M |
| Prescription drug(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,374 | $15.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 40,272 | $994K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49,587 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.