| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $249K | $0 | $249K | 3.46% |
| TTEC SERVICES CORPORATION5 | 6312 SOUTH FIDDLERS GREEN CIRLCE SUITE 100N GREENWOOD VILLAGE, CO 80111 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $76K | $76K | 1.06% |
| MERCER HEALTH AND BENEFITS, LLC5 | PO BOX 100260 MINNEAPOLIS, MN 55485 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $25K | $25K | 0.35% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $39K | $0 | $39K | 12.61% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 100260 PASADENA, CA 91189 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 1.12% |
| EMPOWER BENEFITS INC3 | P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $0 | $102 | $102 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 34TH FLOOR NEW YORK, NY 10036 | METLIFE LEGAL PLANS | $0 | $2 | $2 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | -$3K | $0 | -$3K | -0.90% |
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 | 15,030 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 82 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 116 | $3.2M |
| Vision | VISION SERVICE PLAN | 7,760 | $1.2M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,404 | $7.2M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,404 | $7.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,404 | $7.2M |
| Prescription drug(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 116 | $3.2M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 17,455 | $7.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,455 | — |
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.