| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $69K | — | $69K | 1.06% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE, STE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $229K | — | $229K | 4.71% |
| RICHTER INTERNATIONAL CONSULTING3 Filed as: RICHTER INT. CONSULTING LLC | 317 NW GILMAN BLVD, #11 ISSAQUAH, WA 98027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 1.09% |
| RICHTER INTERNATIONAL CONSULTING3 Filed as: RICHTER INT. CONSULTING LLC | 317 NW GILMAN BLVD, #11 ISSAQUAH, WA 98027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 10.00% |
| RICHTER INTERNATIONAL CONSULTING3 Filed as: RICHTER INT. CONSULTING LLC | 317 NW GILMAN BLVD, #11 ISSAQUAH, WA 98027 | FEDERAL INSURANCE COMPANY | $7K | $2K | $9K | 18.36% |
| RICHTER INTERNATIONAL CONSULTING3 Filed as: RICHTER INT. CONSULTING LLC | 317 NW GILMAN BLVD #11 ISSAQUAH, WA 98027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $213 | — | $213 | 2.22% |
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 | 18,255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 120 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,394 | $15.6M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 75 | $657K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 18,255 | $6.5M |
| Long-term disability | STANDARD INSURANCE COMPANY | 17,798 | $4.9M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,394 | $14.6M |
| Other(5 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 27,018 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,018 | — |
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."
No prospect flags tripped on this filing.