| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $523K | $91K | $613K | 13.05% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $421K | — | $421K | 9.13% |
| ALTC FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $250K | — | $250K | 5.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | PO BOX 310550 DES MOINES, IA 50331 | WILLAMETTE DENTAL OF WASHINGTON, INC | $28K | — | $28K | 1.00% |
| ALTC FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $261K | — | $261K | 10.71% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $160K | — | $160K | 6.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCERVB | PO BOX 310550 DES MOINES, IA 503310550 | METLIFE LEGAL PLANS | — | $172K | $172K | 8.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 310502 DES MOINES, IA 503310502 | METLIFE LEGAL PLANS | $168K | — | $168K | 8.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PO BOX 310550 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | — | $95K | $95K | 4.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | — | $35K | $35K | 1.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LEGAL RESOURCES HAWAII | $10K | — | $10K | 4.25% |
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 | 129,534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 343 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 810 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(27 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 71,070 | $1.4B |
| Dental(6 contracts, 5 carriers) | DELTA DENTAL OF CALIFORNIA | 211,161 | $95.9M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 111,629 | $38.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 157,865 | $33.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 157,865 | $33.2M |
| Other(11 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 157,865 | $66.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211,161 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.