| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $68K | — | $68K | 1.29% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $93K | $38K | $131K | 5.61% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $563K | — | $563K | 30.90% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP INC. | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $56K | — | $56K | 3.07% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $60K | $40K | $101K | 6.10% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | HARTFORD LIFE AND ACCIDENT | — | $20K | $20K | 1.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $102K | — | $102K | 10.00% |
| BENEFIT GUARANTY LLC3 | 725 LOWNDES HILL ROAD GREENVILLE, SC 29607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $122K | — | $122K | 15.92% |
| CWIBENEFITS INC3 | PO BOX 6125 GREENVILLE, SC 29606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 2.39% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $4K | $5K | $9K | 3.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | — | $3K | 1.36% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MAGELLAN BEHAVIORAL HEALTH | $17K | — | $17K | 8.00% |
| BENEFIT GUARANTY LLC3 | 725 LOWNDES HILL ROAD GREENVILLE, SC 29607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 25.83% |
| CWIBENEFITS INC3 Filed as: CWIBENEFITS INC. | PO BOX 6125 GREENVILLE, SC 29606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 3.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94K | — | $94K | 72.11% |
| MERCER HEALTH AND BENEFITS, LLC3 | FOUR EMBARCADERO CENTER SUITE 400 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $1K | — | $1K | 1.22% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS | $5K | — | $5K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 13.29% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | — | $25K | 100.00% |
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 | 17,384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 111 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 8,150 | $10.1M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,022 | $1.1M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 8,072 | $1.3M |
| Life insurance(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 14,510 | $3.4M |
| Short-term disability | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 8,150 | $1.8M |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 12,765 | $2.7M |
| Prescription drug(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,287 | $7.8M |
| Other(9 contracts, 8 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 14,510 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,510 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.