| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $158K | $0 | $158K | 0.89% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE, FLOOR 14 NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $108K | $0 | $108K | 1.71% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $106K | $0 | $106K | 1.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $0 | $13K | 1.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $54K | $4K | $58K | 10.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 3.46% |
| A.C. NEWMAN & CO. INSURANCE3 | 5200 NORTH PALM AVENUE SUITE 107 FRESNO, CA 93704 | ZURICH AMERICAN INSURANCE COMPANY | $49K | $0 | $49K | 15.00% |
| A.C. NEWMAN & CO. INSURANCE3 | 5200 NORTH PALM AVENUE SUITE 107 FRESNO, CA 93704 | ZURICH AMERICAN INSURANCE COMPANY | $48K | $0 | $48K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 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 | 9,292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 456 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,856 | $19.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $378K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 10,389 | $6.3M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 10,389 | $6.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 10,389 | $6.3M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,856 | $19.4M |
| Other(6 contracts, 5 carriers) | METLIFE LEGAL PLANS | 10,500 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,500 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.