| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $259K | — | $259K | 2.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES INC | PO BOX 29675 PHOENIX, AZ 85038 | HARTFORD LIFE AND ACCIDENT | $52K | $40K | $92K | 0.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $71K | $71K | 0.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES INC | 7272 E INDIAN SCHOOL RD, SUITE 415 SCOTTSDALE, AZ 85251 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $28K | $28K | 0.41% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | GENWORTH LIFE INSURANCE COMPANY | $43K | — | $43K | 10.35% |
| AON CONSULTING INC3 Filed as: HEWITT INSURANCE, INC. | 304 PONCE DE LEON AVE, SUITE 1000 SAN JUAN, PR 00918 | TRIPLE-S VIDA, INC. | $27K | — | $27K | 20.00% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR INC | PO BOX 191229 SAN JUAN, PR 00919 | MULTINATIONAL LIFE INSURANCE COMPANY | $501 | — | $501 | 14.99% |
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 | 28,011 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,730 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,251 | $8.9M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 108 | $571K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN INSURANCE COMPANY | 14,970 | $5.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 29,457 | $9.5M |
| Short-term disability(2 contracts, 2 carriers) | TRIPLE-S VIDA, INC. | 2,727 | $137K |
| Long-term disability(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 26,115 | $7.0M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 506 | $7.3M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 28,011 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,457 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.