| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $590K | — | $590K | 11.96% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $470K | — | $470K | 13.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $99K | — | $99K | 11.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 10087 | HYATT LEGAL PLANS | $53K | $8K | $61K | 9.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WATSON WYATT & COMPANY | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | HYATT LEGAL PLANS | — | $2K | $2K | 0.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC. | P.O. BOX 8500 S-6110 PHILADELPHIA, PA 19178 | HYATT LEGAL PLANS | — | $92 | $92 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 10087 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $18K | — | $18K | 10.57% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $4K | $4K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 10087 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $556 | — | $556 | 14.99% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $380 | $380 | 20.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT | 5444 WESTHEIMER SUITE 900 HOUSTON, TX 77056 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $285 | — | $285 | 15.00% |
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 | 22,323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 11 | $173K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL INSURANCE COMPANY | 14,617 | $11.2M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 33,660 | $2.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 21,838 | $4.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 17,805 | $3.4M |
| Other(7 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 22,323 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,660 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.