| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $170K | $0 | $170K | 1.07% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $69K | $175K | $244K | 4.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $30K | $30K | 0.52% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $34K | $0 | $34K | 9.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METLIFE LEGAL PLANS | $0 | $3 | $3 | 0.00% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | ZURICH AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 5.00% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | ZURICH AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 5.00% |
| AMERICAN BENEFITS CONSULTING LLC3 Filed as: AMERICAN BENEFITS CONSULTING, LLC | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.10% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN GENERAL INSURANCE COMPANY | $15K | $0 | $15K | 10.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 100260 PASADENA, CA 91189 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $5K | $5K | 3.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ACE AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 15.00% |
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 | 8,075 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 688 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,584 | $17.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 22 | $224K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,757 | $5.8M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,757 | $5.8M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,757 | $5.8M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,584 | $17.1M |
| Other(7 contracts, 6 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 10,579 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,579 | — |
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.