| 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 | $594K | — | $594K | 7.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $691K | — | $691K | 13.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $773K | $7K | $780K | 25.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $680K | $6K | $686K | 27.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $100K | — | $100K | 7.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $334K | $3K | $337K | 26.81% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $88K | $18K | $105K | 12.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY, INC | P.O. BOX 8500 S-6110 PHILADELPHIA, PA 19178 | METLIFE LEGAL PLANS | — | $39 | $39 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX PO BOX 28852 NEW YORK, NY 100878852 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $6K | — | $6K | 3.31% |
| 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 | — | $5K | $5K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P O BOX 28852 NEW YORK, NY 100878852 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $701 | — | $701 | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $380 | $380 | 20.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $285 | — | $285 | 15.02% |
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 | 29,720 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,835 | $2.7M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL INSURANCE COMPANY | 40,726 | $13.7M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 42,385 | $2.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 27,315 | $8.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 24,265 | $5.3M |
| Other(9 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 29,712 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,385 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.