| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EAST REGION A MARSH & MCLENNAN AG. | TRION GROUP 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $79K | $79K | 1.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $17K | $17K | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. LLC | P.O. BOX 850502 MINNEAPOLIS, MN 55485 | COMBINED INSURANCE | $441K | — | $441K | 11.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SUITE 1200 2100 ROSS AVENUE DALLAS, TX 75102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $508K | — | $508K | 16.86% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - PHILADEL | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $155K | — | $155K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EAST REGION A MARSH & MCLENNAN AG. | TRION GROUP 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 0.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 605151423 | UNITEDHEALTHCARE INSURANCE COMPANY | $97K | — | $97K | 7.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD. CHICAGO, IL 606044466 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $18K | $18K | 1.37% |
| 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. | $39K | — | $39K | 3.42% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | COMBINED INSURANCE | $308K | — | $308K | 35.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P.O. BOX 850502 MINNEAPOLIS, MN 55485 | COMBINED INSURANCE | $178K | — | $178K | 20.16% |
| 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. | $21K | — | $21K | 2.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 2.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EAST REGION A MARSH & MCLENNAN AG. | TRION GROUP 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $799 | $799 | 0.13% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES | 409 SAN JORGE SAN JUAN, PR 00912 | MCS LIFE INSURANCE COMPANY | $20K | — | $20K | 3.62% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC. | CAPARRA OFFICE CENTER 200 22 GONZALEZ GUISTI AVE GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.44% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE INC | PO BOX 9024048 SAN JUAN, PR 009024048 | MCS LIFE INSURANCE COMPANY | $7K | — | $7K | 1.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $38K | $3K | $41K | 10.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC - CHI | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 3.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EAST REGION A MARSH & MCLENNAN AG. | TRION GROUP 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $11 | $11 | 0.51% |
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 | 15,321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 428 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,749 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 16,943 | $4.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 16,943 | $1.3M |
| Vision(2 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 21,959 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 27,812 | $3.6M |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,975 | $2.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,263 | $5.0M |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 87 | $539K |
| Other(4 contracts, 3 carriers) | COMBINED INSURANCE | 14,455 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,812 | — |
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.