| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 194061225 | COMBINED INSURANCE COMPANY OF AMERICA | $444K | — | $444K | 14.09% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INS SRVCS NATL | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 554371180 | COMBINED INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $330K | — | $330K | 12.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $162K | — | $162K | 6.25% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.10% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE., SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $436 | $436 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $162K | $0 | $162K | 9.18% |
| 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. | $28K | $0 | $28K | 2.36% |
| 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 | 2.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO | $14K | — | $14K | 1.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE CO | $61K | $0 | $61K | 9.38% |
| RETENTION STRATEGIES INSURANCE CORP4 Filed as: RETENTION STRATEGIES | 409 SAN JORGE SAN JUAN, PR 00912 | MCS LIFE INSURANCE COMPANY | $30K | — | $30K | 5.33% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | CAPARRA CTR, 22 GONZALEZ GUISTI AVE GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | — | $3K | $3K | 0.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $34K | $5K | $39K | 11.19% |
| MERITAIN HEALTH5 Filed as: AETNA BEHAVIORAL HEALTH, LLC | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | AETNA BEHAVIORAL HEALTH, LLC | — | $328K | $328K | 100.00% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | PO BOX 62949 VIRGINIA BEACH, VA 234662949 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $9K | $42K | 12.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 554371180 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.09% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES | 409 SAN JORGE SAN JUAN, PR 00919 | HUMANA INSURANCE OF PUERTO RICO, INC | $8K | $39K | $47K | 27.45% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.18% |
| HEALTH AND HUMAN RESOURCE CENTER5 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | HEALTH AND HUMAN RESOURCE CENT | $0 | $20K | $20K | 100.00% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES INSUR. AGENCY | — | TRIPLE-S VIDA, INC | $324 | $0 | $324 | 15.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS LLC | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | $333 | $0 | $333 | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 1787 SENTRY PKWY W STE 300 BLUE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $53 | $53 | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $50 | $50 | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS LLC | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 1787 SENTRY PKWY W STE 300 BLUE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS LLC | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 1787 SENTRY PKWY W STE 300 BLUE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES INC EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $2.4M |
| MERCER HEALTH & BENEFITS INSURANCE AGENTS/BROKERS | Insurance agents and brokers Service code 22 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $518K |
| BLACKROCK FINANCIAL MANAGMENT INC EIN 13-3806691 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $66K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $6K |
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 | 16,641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 298 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 206 | $2.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 3,305 | $1.3M |
| Vision(3 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 21,748 | $2.4M |
| Life insurance(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 17,991 | $9.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 94 | $571K |
| Other(6 contracts, 6 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 14,925 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,748 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.