| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $333K | — | $333K | 6.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | $51K | $23K | $74K | 7.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 5.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $18K | — | $18K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 6.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 7.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 4.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | CITY VIEW PLAZA SUITE 700 #48 ROAD 165 KM 1.2 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $2K | — | $2K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52 | — | $52 | 0.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH | $2K | — | $2K | 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 | 3,737 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 84 | $455K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,566 | $4.8M |
| Vision | VISION SERVICE PLAN | 2,275 | $362K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 3,774 | $1.0M |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 583 | $215K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,376 | $637K |
| Prescription drug | TRIPLE S SALUD, INC. | 6 | $39K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,566 | $4.8M |
| Other(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,566 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,566 | — |
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.