| 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. | $1K | $0 | $1K | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IN 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 1.53% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $251 | $251 | 0.06% |
| JOE FERNANDEZ3 | 1201 ELM STREET, SUITE 4250 DALLAS, TX 75270 | COMBINED INSURANCE COMPANY OF AMERICA | $54K | $0 | $54K | 18.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | COMBINED INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 7.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 55 EAST JACKSON BOULEVARD, FLOOR 14 CHICAGO, IL 60604 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.38% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ARAG INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
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 | 1,110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,119 | 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 | 1,604 | $95K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,110 | $456K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,110 | $456K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,110 | $456K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 330 | $2.9M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,196 | $838K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,604 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.