| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | BLUE CARE NETWORK OF MICHIGAN | $25K | — | $25K | 5.14% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH USA, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $17K | $17K | 3.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET STREET, SUITE 1100 SAINT LOUIS, MO 63101 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $34K | — | $34K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH@WORK SOLUTIONS | PO BOX 14496 DES MOINES, IA 50306 | HYATT LEGAL PLANS | $0 | $20K | $20K | 15.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 310502 DES MOINES, IA 503310502 | HYATT LEGAL PLANS | $11K | $1K | $13K | 9.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 121 RIVER STREET, FL 5 HOBOKEN, NJ 07030 | HYATT LEGAL PLANS | $0 | $761 | $761 | 0.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 27447 NEW YORK, IA 10087 | HYATT LEGAL PLANS | $0 | $239 | $239 | 0.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 12.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET STREET, SUITE 1100 SAINT LOUIS, MO 63101 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $10K | — | $10K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET SREET, SUITE 1100 SAINT LOUIS, MO 63101 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $4K | — | $4K | 20.00% |
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 | 4,129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 195 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 144 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 462 | $2.8M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 843 | $404K |
| Vision | VISION SERVICE PLAN | 3,015 | $619K |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,617 | $2.6M |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,617 | $2.2M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 92 | $561K |
| Other(6 contracts, 4 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 6,163 | $571K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,163 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.