| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $594K | — | $594K | 2.83% |
| NATIONAL ACCOUNT SERVICES3 Filed as: NATIONAL ACCOUNT SERVICES, INC | 11111 SANTA MONICA BLVD #1150 LOS ANGELES, CA 90025 | HARTFORD LIFE AND ACCIDENT | $151K | $343K | $494K | 3.08% |
| CHARLES D BUCKALEW3 | 8642 NORTH SUNSET CIR PARK CITY, UT 84098 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 0.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC, | 1001 BRICKELL BAY DR, STE 1000 MIAMI, FL 33131 | FOUR EVER LIFE INS CO. | $546K | — | $546K | 3.60% |
| NATIONAL ACCOUNT SERVICES3 | 11111 SANTA MONICA BLVD, STE 1150 LOS ANGELES, CA 90025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $469K | $469K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL, STE 415 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $200K | $200K | 2.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN INC | $24K | — | $24K | 0.72% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR, STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 0.15% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN INC | $30K | — | $30K | 0.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 0.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | 777 S. FIGUEROA ST., SUITE 1900 LOS ANGELES, CA 90017 | ACE AMERICAN INSURANCE COMPANY | $409K | — | $409K | 25.61% |
| NATIONAL ACCOUNT SERVICES3 Filed as: NATIONAL ACCOUNT SERVICES, INC | 11111 SANTA MONICA BLVD #1150 LOS ANGELES, CA 90025 | HARTFORD LIFE AND ACCIDENT | $13K | $33K | $46K | 3.15% |
| CHARLES D BUCKALEW3 Filed as: CHARLES DAVID BUCKALEW | 8642 NORTH SUNSET CIR PARK CITY, UT 84098 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $29K | — | $29K | 3.10% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | — | $20K | 3.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 777 S. FIGUEROA ST., SUITE 1900 LOS ANGELES, CA 90017 | ANTHEM BLUE CROSS | $288 | — | $288 | 0.22% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | 204 SAN FRANCISCO ST SAN JUAN, PR 00901 | TRIPLE S SALUD, INC. | $6K | — | $6K | 4.81% |
| NATIONAL ACCOUNT SERVICES3 | 11111 SANTA MONICA BLVD, STE 1150 LOS ANGELES, CA 90025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL STE 415 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 4.06% |
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 | 41,092 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,998 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 43,090 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | FOUR EVER LIFE INS CO. | 2,465 | $31.1M |
| Dental(7 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 46,473 | $44.4M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 36,136 | $5.4M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 39,801 | $16.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 41,092 | $121K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 41,092 | $9.4M |
| Prescription drug(7 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 913 | $15.8M |
| Other(3 contracts, 3 carriers) | ACE AMERICAN INSURANCE COMPANY | 77,367 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 77,367 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.