| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $5 | $5 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SYMETRA LIFE INSURANCE COMPANY | — | $49K | $49K | 3.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 12421 MEREDITH DR URBANDALE, IA 50398 | TRANSAMERICA LIFE INSURANCE COMPANY | $276K | — | $276K | 61.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.41% |
| LARRY K. ANDERS3 Filed as: LARRY K ANDERS | 14785 PRESTON RD STE 1000 DALLAS, TX 75254 | TRANSAMERICA LIFE INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| TURNKEY BENEFIT INSURANCE SERVICES3 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | TRANSAMERICA LIFE INSURANCE COMPANY | $16 | — | $16 | 0.00% |
| DOMENIC SALVATO3 | 500 OFFICE CENTER DR 4TH FLOOR FORT WASHINGTON, PA 19034 | TRANSAMERICA LIFE INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| YOUDECIDE, INC.3 Filed as: YOUDECIDE INC. | 4450 RIVER GREEN PARKWAY SUITE 100-A DULUTH, GA 30096 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 11.52% |
| YOUDECIDE, INC.3 Filed as: YOUDECIDE, INC | 4450 RIVER GREEN PARKWAY SUITE 100-A DULUTH, GA 30096 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | — | $2K | 9.95% |
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 | 1,564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 914 | $3.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 192 | $84K |
| Vision | VISION SERVICE PLAN | 1,745 | $366K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 2,396 | $1.6M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 2,396 | $1.6M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 2,396 | $1.6M |
| Other(5 contracts, 5 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,396 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,396 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.