| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVE., 25TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $85K | $85K | 2.63% |
| MULTI AGENT SYSTEM CORP3 | PO BOX 1306 BAYAMON, PR 00960 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC OF LA | 777 S. FIGUEROA ST, SUITE 1900 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $1K | $1K | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $179K | — | $179K | 11.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 NORTH WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $19K | $383 | $19K | 4.26% |
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 | 62,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 174 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 62,619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(17 contracts, 16 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 8,660 | $85.3M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 8,771 | $3.2M |
| Vision | VISION SERVICE PLAN | 14,266 | $1.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 64,783 | $3.2M |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY | 2,086 | $422K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 64,783 | $3.2M |
| Prescription drug(3 contracts, 3 carriers) | HIGHMARK | 463 | $7.2M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 8,660 | $1.6M |
| Other(8 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 64,783 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64,783 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.