| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $113K | $0 | $113K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 0.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 155 NORTH WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $43K | $0 | $43K | 1.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1717 ARCH STREET 27TH FLOOR PHILADELPHIA, PA 19103 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $36K | $0 | $36K | 1.96% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10028 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $25K | $0 | $25K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $194K | $0 | $194K | 29.71% |
| RUTH LARKIN3 | 2000 WADSWORTH BOULEVARD SUITE 202 LAKEWOOD, CO 80214 | COMBINED INSURANCE | $66K | $0 | $66K | 12.41% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BOULEVARD SUITE 281 SAN ANTONIO, TX 78232 | COMBINED INSURANCE | $24K | $0 | $24K | 4.57% |
| J MANNING AND ASSOCIATES3 | 167 NORTH GREEN STREET CHICAGO, IL 60607 | COMBINED INSURANCE | $10K | $0 | $10K | 1.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 600 UNIVERSITY STREET SUITE 3100 SEATTLE, WA 98101 | COMBINED INSURANCE | $6K | $0 | $6K | 1.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 155 NORTH WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | $0 | $9K | 1.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN GENERAL INSURANCE COMPANY | $12K | $872 | $13K | 10.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 34TH FLOOR NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $0 | $575 | $575 | 6.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 21.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $397 | $0 | $397 | 19.98% |
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 | 5,104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,197 | $6.4M |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL INSURANCE, INC. | 947 | $530K |
| Vision | HAWAII MEDICAL SERVICE ASSOCIATION | 3 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,074 | $2.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,074 | $2.3M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 266 | $5.8M |
| Other(8 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 5,933 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,933 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.