| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA INC | PO BOX 9023549 SAN JUAN, PR 009023549 | MCS LIFE INSURANCE COMPANY | $17K | $0 | $17K | 4.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | STANDARD INSURANCE COMPANY | $51K | $0 | $51K | 53.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1166 AVE OF AMERICAS, 22ND FLOOR NEW YORK, NY 10036 | STANDARD INSURANCE COMPANY | $629 | $0 | $629 | 0.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ACE AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 25.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA INC | PO BOX 9023549 SAN JUAN, PR 00902 | TRIPLE-S VIDA, INC. | $1K | $0 | $1K | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA INC | PO BOX 9023549 SAN JUAN, PR 00902 | TRIPLE-S VIDA, INC. | $651 | $0 | $651 | 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 | 3,160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 520 | $5.8M |
| Dental(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 82 | $374K |
| Vision(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 520 | $5.8M |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 2,941 | $2.2M |
| Short-term disability | STANDARD INSURANCE COMPANY | 2,941 | $865K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,941 | $1.2M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 520 | $5.8M |
| Other(5 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 5,578 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,578 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.