| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29K | $29K | 1.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27K | $27K | 0.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 0.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $106 | $106 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $48 | $48 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | $30K | $32K | 1.64% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $11K | $0 | $11K | 0.56% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100870001 | KAISER FOUNDATION HEALTH PLAN INC | $71K | — | $71K | 4.97% |
| EXECUTIVE SERVICES SECURITIES LLC3 | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 303261234 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | — | $33K | 2.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 5.36% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE | 40 WALL ST STE 1304 NEW YORK, NY 100051304 | METROPOLITAN LIFE INSURANCE COMPANY | $268K | $36K | $304K | 39.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $58K | — | $58K | 7.42% |
| WILLIS TOWERS WATSON US LLC | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100870001 | KAISER FOUNDATION HEALTH PLAN INC | $37K | — | $37K | 5.03% |
| WILLIS TOWERS WATSON US LLC | COMMSSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 3.64% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $56 | $7K | 25.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS, LLC. | 800 MARKET STREET, SUITE 1800 ST. LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | — | $2K | 25.00% |
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 | 7,483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 262 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 197 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,942 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 216 | $3.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 12,753 | $897K |
| Vision | AETNA LIFE INSURANCE COMPANY | 12,753 | $897K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 7,468 | $3.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,372 | $2.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,372 | $2.8M |
| Prescription drug(3 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 216 | $2.2M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 6,377 | $2.2M |
| Other(4 contracts, 4 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 7,468 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,753 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.