| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC | -$20K | — | -$20K | -0.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 28025 NETWORK PLACE CHICAGO, IL 606731280 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $81K | $81K | 4.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 28025 NETWORK PLACE CHICAGO, IL 606731280 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $28K | $28K | 1.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | LOCKBOX #9102, PO BOX 8500 PHILADELPHIA, PA 191789102 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $16K | $16K | 0.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 28025 NETWORK PLACE CHICAGO, IL 606731280 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $12K | $12K | 1.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWER WATSON PENNSYLVANIA INC | LOCKBOX #9102, PO BOX 8500 PHILADELPHIA, PA 191789102 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $6K | $6K | 0.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 28025 NETWORK PLACE CHICAGO, IL 606731280 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 16.99% |
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 | 6,282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,499 | $5.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 13 | $164K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,242 | $2.0M |
| Short-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,282 | $50K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,242 | $806K |
| Other(3 contracts, 3 carriers) | CONCERN EMPLOYEE ASSISTANCE PROGRAM | 6,282 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,282 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.