| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $140K | — | $140K | 0.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $95 | $35K | 0.96% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $49 | $13K | 0.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 0.29% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.12% |
| RICHTER INTERNATIONAL CONSULTING3 Filed as: RICHTER INTL CONSULTING, LLC | 317 NW GILMAN BLVD, SUITE 11 ISSAQUAH, WA 98027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | — | $40K | 4.83% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $26K | $49 | $26K | 10.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $163 | — | $163 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 300 SOUTH GRAND AVENUE, SUITE 2000 LOS ANGELES, CA 90071 | GERBER LIFE INSURANCE COMPANY | $7K | — | $7K | 4.18% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CENTER, SUITE 400 SAN FRANCISCO, CA 94111 | GERBER LIFE INSURANCE COMPANY | $1K | — | $1K | 0.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 300 SOUTH GRAND AVENUE, SUITE 2000 LOS ANGELES, CA 90071 | GERBER LIFE INSURANCE COMPANY | $7K | — | $7K | 4.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CENTER, SUITE 400 SAN FRANCISCO, CA 94111 | GERBER LIFE INSURANCE COMPANY | $1K | — | $1K | 0.84% |
| RICHTER INTERNATIONAL CONSULTING3 Filed as: RICHTER INTL CONSULTING, LLC | 317 NW GILMAN BLVD, SUITE 11 ISSAQUAH, WA 98027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.40% |
| RICHTER INTERNATIONAL CONSULTING3 Filed as: RICHTER INTL CONSULTING, LLC | 317 NW GILMAN BLVD, #11 ISSAQUAH, WA 98027 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 300 SOUTH GRAND AVENUE, SUITE 2000 LOS ANGELES, CA 90071 | GERBER LIFE INSURANCE COMPANY | $897 | — | $897 | 4.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CENTER, SUITE 400 SAN FRANCISCO, CA 94111 | GERBER LIFE INSURANCE COMPANY | $170 | — | $170 | 0.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 300 SOUTH GRAND AVENUE, SUITE 2000 LOS ANGELES, CA 90071 | GERBER LIFE INSURANCE COMPANY | $676 | — | $676 | 4.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CENTER, SUITE 400 SAN FRANCISCO, CA 94111 | GERBER LIFE INSURANCE COMPANY | $135 | — | $135 | 0.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 300 SOUTH GRAND AVENUE, SUITE 2000 LOS ANGELES, CA 90071 | GERBER LIFE INSURANCE COMPANY | $140 | — | $140 | 4.15% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CENTER, SUITE 400 SAN FRANCISCO, CA 94111 | GERBER LIFE INSURANCE COMPANY | $29 | — | $29 | 0.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 300 SOUTH GRAND AVENUE, SUITE 2000 LOS ANGELES, CA 90071 | GERBER LIFE INSURANCE COMPANY | $116 | — | $116 | 4.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CENTER, SUITE 400 SAN FRANCISCO, CA 94111 | GERBER LIFE INSURANCE COMPANY | $22 | — | $22 | 0.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 300 SOUTH GRAND AVENUE, SUITE 2000 LOS ANGELES, CA 90071 | GERBER LIFE INSURANCE COMPANY | $85 | — | $85 | 4.18% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CENTER, SUITE 400 SAN FRANCISCO, CA 94111 | GERBER LIFE INSURANCE COMPANY | $17 | — | $17 | 0.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 300 SOUTH GRAND AVENUE, SUITE 2000 LOS ANGELES, CA 90071 | GERBER LIFE INSURANCE COMPANY | $65 | — | $65 | 4.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CENTER, SUITE 400 SAN FRANCISCO, CA 94111 | GERBER LIFE INSURANCE COMPANY | $14 | — | $14 | 0.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 300 SOUTH GRAND AVENUE, SUITE 2000 LOS ANGELES, CA 90071 | GERBER LIFE INSURANCE COMPANY | $42 | — | $42 | 4.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CENTER, SUITE 400 SAN FRANCISCO, CA 94111 | GERBER LIFE INSURANCE COMPANY | $9 | — | $9 | 0.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 300 SOUTH GRAND AVENUE, SUITE 2000 LOS ANGELES, CA 90071 | GERBER LIFE INSURANCE COMPANY | $26 | — | $26 | 4.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CENTER, SUITE 400 SAN FRANCISCO, CA 94111 | GERBER LIFE INSURANCE COMPANY | $5 | — | $5 | 0.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 300 SOUTH GRAND AVENUE, SUITE 2000 LOS ANGELES, CA 90071 | GERBER LIFE INSURANCE COMPANY | $9 | — | $9 | 4.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 300 SOUTH GRAND AVENUE, SUITE 2000 LOS ANGELES, CA 90071 | GERBER LIFE INSURANCE COMPANY | $5 | — | $5 | 4.50% |
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 | 7,064 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 260 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 7,064 | $15.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $854K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,144 | $3.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,144 | $3.7M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,144 | $3.7M |
| Other(16 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7,064 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,144 | — |
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."
No prospect flags tripped on this filing.