| 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 | — | $465K | $465K | 3.32% |
| AMERICAN BENEFITS CONSULT3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $306K | $306K | 3.18% |
| AMERICAN BENEFITS CONSULT3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $231K | $231K | 3.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 12421 MEREDITH DR URBANDALE, IA 50398 | AETNA LIFE INSURANCE CO. | $581K | — | $581K | 14.86% |
| AMERICAN BENEFITS CONSULT3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $23K | $23K | 3.25% |
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 | 28,323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 333 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 19,229 | $27.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 9,163 | $765K |
| Vision(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 47,536 | $25.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 39,569 | $14.0M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 30,313 | $9.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 39,139 | $7.1M |
| Prescription drug(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,159 | $22.6M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 39,569 | $716K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,536 | — |
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.