| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | 12421 MEREDITH DR., STE. MHB URBANDALE, IA 503989001 | RELIASTAR LIFE INSURANCE COMPANY | $593K | — | $593K | 3.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $278K | — | $278K | 1.51% |
| CUENCA & ASSO. INS. AGENCY, INC.3 | 2990 INNSBRUCK DR. REDDING, CA 960039303 | RELIASTAR LIFE INSURANCE COMPANY | — | $45K | $45K | 0.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $134K | $134K | 1.76% |
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 | 37,967 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 760 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 38,727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,020 | $6.9M |
| Vision | EYEMED | 49,153 | $3.3M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 55,525 | $18.4M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 30,106 | $7.7M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 55,525 | $18.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 55,525 | — |
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."
No prospect flags tripped on this filing.