| 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 | $68K | $0 | $68K | 1.30% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.03% |
| LEGAL BENEFITS STOLTZ LLC4 | 8390 EAST VIA DE VENTURA, SUITE 205 SCOTTSDALE, AZ 85258 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26K | $0 | $26K | 14.61% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CENTER, SUITE 400 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN, INC. | $773 | $0 | $773 | 2.84% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2325 EAST CAMELBACK ROAD, SUITE 600 PHOENIX, AZ 85016 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $2K | $0 | $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 | 6,386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $76K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $30K |
| Vision | VISION SERVICE PLAN | 5,351 | $741K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,790 | $5.2M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,790 | $5.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,790 | $5.2M |
| Prescription drug(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $76K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,790 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,790 | — |
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.