| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $44K | — | $44K | 0.70% |
| JAMES HELLMUTH3 | 8401 CONNECTICUT AVENUE SUITE 501 CHEVY CHASE, MD 20815 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | -$30K | $15K | -$15K | -0.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $131K | — | $131K | 3.15% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 8401 CONNECTICUT AVENUE STE 1200 CHEVY CHASE, MD 20815 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $20K | $35K | 0.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89K | — | $89K | 3.61% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 8401 CONNECTICUT AVENUE STE 1200 CHEVY CHASE, MD 20815 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $20K | $39K | 1.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $92 | — | $92 | 0.01% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 8401 CONNECTICUT AVENUE STE 1200 CHEVY CHASE, MD 20815 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $8K | $13K | 2.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 1.24% |
| REWARDSPLUS OF AMERICA INS. AGENCY3 | 4450 RIVER GREEN PKWY #100 A DULUTH, GA 30096 | ARAG INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 8401 CONNECTICUT AVENUE STE 1200 CHEVY CHASE, MD 20815 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 14.26% |
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 | 17,194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 107 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | 584 | $8.6M |
| Vision | VISION SERVICE PLAN | 13,419 | $3.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 17,194 | $4.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 17,124 | $2.5M |
| Other(4 contracts, 4 carriers) | JANUS ASSOCIATES, INC. DBA BHS | 17,194 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,194 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.