| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA INC | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $92K | $92K | 1.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA INC | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53K | $53K | 1.67% |
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO DBA USI INS SRVCS NATL | PO BOX 851300 MINNEAPOLIS, MN 554851300 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $57 | $22K | 0.71% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $316K | — | $316K | 12.98% |
| AXA ASSISTANCE, USA4 | 122 SOUTH MICHIGAN AVE., SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 0.22% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $155K | — | $155K | 9.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO | $1.1M | — | $1.1M | 132.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO | $23K | — | $23K | 2.75% |
| RETENTION STRATEGIES INSURANCE CORP4 Filed as: RETENTION STRATEGIES | 409 SAN JORGE SAN JUAN, PR 00912 | MCS LIFE INSURANCE COMPANY | $35K | — | $35K | 5.50% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | CAPARRA CTR, 22 GONZALEZ GUISTI AVE GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | — | $3K | $3K | 0.50% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES | 409 SAN JORGE SAN JUAN, PR 00919 | HUMANA INSURANCE OF PUERTO RICO, INC | $12K | — | $12K | 5.17% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA INC | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $488 | $488 | 1.67% |
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO DBA USI INS SRVCS NATL | PO BOX 851300 MINNEAPOLIS, MN 554851300 | METROPOLITAN LIFE INSURANCE COMPANY | — | $57 | $57 | 0.19% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES INSUR. AGENCY | — | TRIPLE-S VIDA, INC | $759 | — | $759 | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA INC | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $3K | $5K | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | — | $23K | — |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | AETNA INTERNATIONAL | 220 | $2.0M |
| Dental(4 contracts, 3 carriers) | AETNA INTERNATIONAL | 220 | $2.8M |
| Vision(5 contracts, 4 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 220 | $3.7M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 87 | $3.1M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $3.2M |
| Long-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $5.9M |
| Prescription drug(2 contracts, 2 carriers) | AETNA INTERNATIONAL | 220 | $1.5M |
| Other(3 contracts, 3 carriers) | AETNA BEHAVIORAL HEALTH, LLC | 15,051 | $705K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,051 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.