| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $437K | $86K | $523K | 8.65% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | QBE INSURANCE | $336K | — | $336K | 6.00% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $469K | $94K | $563K | 13.81% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $467K | $94K | $561K | 13.81% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $119K | — | $119K | 11.76% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $83K | $16K | $99K | 13.74% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | JOHN HANCOCK | $17K | — | $17K | 5.00% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $7K | — | $7K | 3.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $674 | — | $674 | 5.74% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 100362708 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 16.00% |
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 | 13,061 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 319 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 53 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,646 | $16.8M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,462 | $572K |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 13,127 | $8.9M |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 12,605 | $6.0M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 10,229 | $5.6M |
| Other(5 contracts, 5 carriers) | ARAG INSURANCE COMPANY | 10,763 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,127 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.