| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN, INC. | -$1K | $0 | -$1K | -0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 1.50% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $246 | $246 | 0.06% |
| SELERIX INSURANCE SERVICES, LLC3 | 2851 CRAIG DRIVE, SUITE 300 MCKINNEY, TX 75072 | RELIASTAR LIFE INSURANCE COMPANY | $102K | $0 | $102K | 36.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $40K | $0 | $40K | 14.14% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFITS, LLC | 7500 DALLAS PARKWAY, SUITE 550 PLANO, TX 75024 | RELIASTAR LIFE INSURANCE COMPANY | $31K | $0 | $31K | 11.10% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | RELIASTAR LIFE INSURANCE COMPANY | $12K | $0 | $12K | 4.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ARAG INSURANCE COMPANY | $4K | $0 | $4K | 7.35% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA BOSTON, MA 02241 | ARAG INSURANCE COMPANY | $1K | $0 | $1K | 2.65% |
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 | 1,196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 330 | $2.9M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,565 | $92K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,067 | $447K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,067 | $447K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,067 | $447K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 330 | $2.9M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,196 | $826K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,565 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.