| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 125 OTTAWA AVENUE NW STE 400 CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $96K | $0 | $96K | 0.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL LIFE INSURANCE COMPANY | $61K | $0 | $61K | 0.26% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | KAISER - CO | $97K | $0 | $97K | 0.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $59K | $0 | $59K | 0.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 0.14% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT CONSULTING, LLC | BOX 202617 DALLAS, TX 75320 | KAISER - NORTHERN CA | $51K | $0 | $51K | 0.36% |
| BUCK GLOBAL LLC3 | BOX 207640 DALLAS, TX 75320 | ALLSTATE | $5.5M | $501K | $6.0M | 55.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 0.15% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT CONSULTING, LLC | BOX 202617 DALLAS, TX 75320 | KAISER - SOUTHERN CA | $26K | $0 | $26K | 0.36% |
| BUCK GLOBAL LLC3 | BOX 207640 DALLAS, TX 75320 | ALLSTATE | $872K | $0 | $872K | 20.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.12% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | KAISER - MID-ATLANTIC | $9K | $0 | $9K | 0.34% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | KAISER - GA | $7K | $0 | $7K | 1.20% |
| L&L CONSULTING3 | 91 BROADHOLLOW ROAD C/O PHIL PALMETTO MELVILLE, NY 11747 | DAVIS VISION | $20K | $0 | $20K | 5.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $65 | $0 | $65 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 0.72% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | KAISER - NW | $2K | $0 | $2K | 0.71% |
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 | 97,168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 97,168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MONUMENTAL LIFE INSURANCE COMPANY | 62 | $73K |
| Dental(3 contracts, 3 carriers) | CIGNA NETWORK | 5,209 | $2.8M |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 63,118 | $11.5M |
| Life insurance(6 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 91,051 | $108.4M |
| Short-term disability(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,081 | $3.3M |
| Long-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 54,343 | $16.1M |
| Other(5 contracts, 4 carriers) | ALLSTATE | 122,094 | $29.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122,094 | — |
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.
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.