| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $198K | — | $198K | 3.48% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INS SRVCS NATL | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 554371180 | METROPOLITAN LIFE INSURANCE COMPANY | $226K | $60 | $226K | 4.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $66K | $66K | 1.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $325K | — | $325K | 13.37% |
| AXA ASSISTANCE, USA5 | 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 | $175K | $0 | $175K | 9.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE CO | $104K | — | $104K | 8.96% |
| 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 | $0 | $23K | 2.24% |
| 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. | $27K | $0 | $27K | 2.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO | $20K | — | $20K | 2.73% |
| RETENTION STRATEGIES INSURANCE CORP4 Filed as: RETENTION STRATEGIES | 409 SAN JORGE SAN JUAN, PR 00912 | MCS LIFE INSURANCE COMPANY | $30K | — | $30K | 5.02% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | CAPARRA CTR, 22 GONZALEZ GUISTI AVE GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | — | $3K | $3K | 0.46% |
| MERITAIN HEALTH5 Filed as: AETNA BEHAVIORAL HEALTH, LLC | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | AETNA BEHAVIORAL HEALTH, LLC | $0 | $462K | $462K | 100.00% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES | 409 SAN JORGE SAN JUAN, PR 00919 | HUMANA INSURANCE OF PUERTO RICO, INC | $14K | $50K | $64K | 28.89% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 12.97% |
| HEALTH AND HUMAN RESOURCE CENTER5 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | HEALTH AND HUMAN RESOURCE CENT | — | $30K | $30K | 100.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 554371180 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $60 | $8K | 30.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $387 | $387 | 1.52% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES INSUR. AGENCY | — | TRIPLE-S VIDA, INC | $693 | — | $693 | 15.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 554371180 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $60 | $48K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$16K | -$16K | — |
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 | 16,284 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 186 | $2.6M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 3,233 | $1.3M |
| Vision(3 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 21,638 | $2.4M |
| Life insurance(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 18,035 | $9.9M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,361 | $101K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 14,050 | $5.0M |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 87 | $595K |
| Other(5 contracts, 4 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 15,438 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,638 | — |
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.
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.