| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $812K | — | $812K | 0.45% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 38118 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3.3M | $3.3M | 18.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1.1M | — | $1.1M | 6.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $322K | — | $322K | 1.78% |
| SURVIVOR OUTREACH SERVICES5 Filed as: SURVIVOR OUTREACH SERVICES, LLC | 6800 BISHOP ROAD SUITE 220 PLANO, TX 750244275 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $107K | $107K | 0.59% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $77K | — | $77K | 0.45% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $1.3M | $25K | $1.3M | 20.40% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | — | $227K | $227K | 3.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV, LLC | 321 N CLARK ST SUITE 940 CHICAGO, IL 60654 | RELIASTAR LIFE INSURANCE COMPANY | $189K | — | $189K | 3.00% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | ATTN DONNA LOREN 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | ARAG INSURANCE COMPANY | $99K | — | $99K | 5.58% |
| BUSINESSSOLVER.COM, INC.5 | ATTN DONNA LOREN P.0. BOX 310411 DES MOINES, IA 50331 | ARAG INSURANCE COMPANY | — | $89K | $89K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV, LLC | 144 TURNPIKE ROAD # 330 SCARBOROUGH, MA 01772 | ARAG INSURANCE COMPANY | $89K | — | $89K | 5.00% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 29290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | — | $39K | 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 | 59,082 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 254 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 59,336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 32,901 | $206.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 25 | $393K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 59,082 | $18.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 59,082 | $18.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 59,082 | $18.1M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 32,901 | $200.1M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 59,082 | $26.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59,082 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.