| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC | $71K | — | $71K | 2.69% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SRV, LLC | 1850 GATEWAY DRIVE SUITE 700 SAN MATEO, CA 944044067 | KAISER FOUNDATION HEALTH PLAN INC | $16K | $3K | $19K | 0.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - ATLANTIC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 0.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $178K | — | $178K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $35K | — | $35K | 5.52% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $18K | — | $18K | 5.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR, STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | — | $14K | 4.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS PORTLAND | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $13K | — | $13K | 5.36% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60K | — | $60K | 27.72% |
| SUSAN RAY3 Filed as: SUSAN P RAY | 3473 NORTHLAKE WAY ATLANTA, GA 30340 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.04% |
| ALICIA CLIFTON3 | 3915 HUNTING RIDGE DRIVE LILBURN, GA 30047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.03% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M WARDLAW, JR | 187 SOUTH CULVER STREET LAWRENCEVILE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.02% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY, SUITE 350 NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| JAMES D DUDLEY3 | 3061 EDGEWOOD CRT COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN R JOHNSON | 720 S WELLS STREET, APT 1716 CHICAGO, IL 60607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 75320 | ARAG INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 16.57% |
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 | 2,096 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 312 | $3.9M |
| Vision | VISION SERVICE PLAN | 1,519 | $344K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,096 | $1.8M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,096 | $1.8M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,096 | $1.8M |
| Prescription drug(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 312 | $3.9M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,100 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,100 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.