| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 10414 DES MOINES, IA 503060414 | VISION SERVICE PLAN | $240K | — | $240K | 0.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $124K | — | $124K | 0.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENFITS ADMIN | P O BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $647K | — | $647K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENFITS ADMIN | P O BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $307K | $307K | 2.38% |
| UNIVOPS INSURANCE SERVICE3 | 1875 S GRANT ST STE 960 SAN MATEO, CA 94402 | LIFE INSURANCE COMPANYE OF NORTH AMERICA | $309K | — | $309K | 2.52% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL RICHARDSON | 5717 MCALPINE FARM ROAD CHARLOTTE, NC 28226 | LIFE INSURANCE COMPANYE OF NORTH AMERICA | $13K | — | $13K | 0.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $199K | $88K | $287K | 4.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 10414 DES MOINES, IA 503060414 | VISION SERVICE PLAN | $110K | — | $110K | 3.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $56K | — | $56K | 1.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 27447 NEW YORK, NY 10087 | HYATT LEGAL PLANS | $115K | $3K | $118K | 5.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | P O BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS | — | $23K | $23K | 1.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | 121 RIVER STREET HOBOKEN, NJ 07030 | HYATT LEGAL PLANS | — | $9K | $9K | 0.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | P O BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71K | — | $71K | 5.00% |
| UNIVOPS INSURANCE SERVICE3 | 1875 S GRANT ST STE 960 SAN MATEO, CA 94402 | CIGNA LIFE INSURANCE CO OF NEW YORK | $21K | — | $21K | 1.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $90 | $10K | 3.03% |
| UNIVOPS INSURANCE SERVICE3 | 1875 S GRANT ST STE 960 SAN MATEO, CA 94402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.15% |
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 | 265,005 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 265,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 12,176 | $57.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 23,937 | $6.3M |
| Vision(2 contracts) | VISION SERVICE PLAN | 97,168 | $27.6M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 953 | $216K |
| Long-term disability | LIFE INSURANCE COMPANYE OF NORTH AMERICA | 63,200 | $12.3M |
| Other(5 contracts, 5 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 370,729 | $18.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370,729 | — |
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."
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.