| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTHCARE OF CALIFORNIA | $155K | — | $155K | 1.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $11K | $46K | 4.79% |
| HEALTH AND BENEFIT SYSTEM3 | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $4K | $33K | 3.39% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, STE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $15K | $23K | 2.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL, SUITE A220 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | -$4K | $21K | 2.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $12K | $12K | 2.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET, STE. 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 1.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL, SUITE A220 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 1.28% |
| NATIONAL ACCOUNT SERVICES3 | 8642 SUNSET CR PARK CITY, UT 80498 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | — | $43K | 12.26% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | 11225 COLLEGE BLVD, SUITE 105 OVERLAND PARK, KS 66210 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON FINANCIAL ADVISORS LLC | 444 W 47TH ST, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $4K | $14K | 4.62% |
| HEALTH AND BENEFIT SYSTEM3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $10K | 3.39% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, STE. 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $5K | $7K | 2.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL, SUITE A220 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | -$776 | $6K | 1.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $10K | $20K | 7.06% |
| HEALTH AND BENEFIT SYSTEM3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $1K | $10K | 3.49% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH ST., STE.900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 2.96% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH ST., STE.900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $5K | $7K | 2.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL, SUITE A220 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | -$9K | -$1K | -0.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $31K | — | $31K | 32.60% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 30.22% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH AND BENEFIT SYSTEMS INC | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 30.22% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $2K | $21K | 40.57% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH AND BENEFIT SYSTEMS INC | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $2K | $21K | 40.57% |
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 | 4,882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 5 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 9,145 | $17.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,115 | $891K |
| Vision | VISION SERVICE PLAN | 4,492 | $570K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,882 | $1.0M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,882 | $418K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,882 | $655K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,115 | $7.2M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 9,145 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,145 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.