| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLOBAL BENEFITS INC3 | 570 LAKE COOK ROAD SUITE 106 DEERFIELD, IL 600154910 | METROPOLITAN LIFE INSURANCE COMPANY | $669K | $130K | $799K | 8.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $466K | $38 | $466K | 5.20% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $87K | $87K | 0.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $87 | $87 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $54K | — | $54K | 6.73% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS, INC. | 570 LAKE COOK ROAD SUITE 106 DEERFIELD, IL 60015 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $19K | — | $19K | 2.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 MAIN STREET SUITE 4400 DALLAS, TX 75201 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $76K | $4K | $79K | 12.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 44 WHIPPANY ROAD SUITE 220 MORRISTOWN, NJ 07960 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $644 | $12K | 1.88% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 E RANDOLPH STREET LOWER LL3 CHICAGO, IL 60601 | HAWAII MEDICAL SERVICE ASSOCIATION | — | $12K | $12K | 1.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $1 | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SIMNSA | $7K | — | $7K | 2.00% |
| GLOBAL BENEFITS INC3 | 570 LAKE COOK ROAD SUITE 106 DEERFIELD, IL 600154910 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.34% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.02% |
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 | 29,612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 137 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,749 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,413 | $20.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 36,982 | $9.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 15,695 | $803K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 36,982 | $9.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 36,982 | $9.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 36,982 | $9.0M |
| Prescription drug(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,413 | $19.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 36,982 | $9.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36,982 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.