| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH USA, INC | 1050 CONNETICUT AVE. NW #700 DISTRICT OF COLUMBIA, DC 200365386 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $1.3M | $1.3M | 1.81% |
| 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 | $109K | $0 | $109K | 0.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL LIFE INSURANCE COMPANY | $41K | $0 | $41K | 0.15% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | KAISER - NORTHERN CA | $61K | $0 | $61K | 0.31% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | KAISER - CO | $32K | $0 | $32K | 0.16% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | KAISER - SOUTHERN CA | $42K | $0 | $42K | 0.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | $0 | $48K | 0.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 0.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 0.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.16% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | KAISER - MID-ATLANTIC | $40K | $0 | $40K | 1.58% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | KAISER - GA | $3K | $0 | $3K | 0.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 0.64% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | KAISER - NW | $582 | $0 | $582 | 0.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $123 | $0 | $123 | 0.69% |
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 | 103,672 | 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) | 103,672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MONUMENTAL LIFE INSURANCE COMPANY | 43 | $73K |
| Dental(3 contracts, 3 carriers) | CIGNA NETWORK | 4,394 | $1.8M |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 70,768 | $12.1M |
| Life insurance(6 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 95,244 | $115.3M |
| Short-term disability(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103,672 | $3.5M |
| Long-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 54,567 | $16.6M |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 125,485 | $10.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125,485 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.