| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - LOS ANGELES | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $229K | — | $229K | 4.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - LOS ANGELES | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $63K | $63K | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $80K | $16K | $97K | 8.88% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606791298 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $31K | — | $31K | 7.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER VOLUNTARY BENEFITS | 12421 MEREDITH DRIVE KEITH STEWART URBANDALE, IA 50398 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 4.54% |
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 | 5,739 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 169 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 125 | $1.2M |
| Dental | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 13 | $418K |
| Vision | VISION SERVICE PLAN | 3,220 | $768K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,327 | $1.8M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,599 | $5.0M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,599 | $5.4M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 125 | $787K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,327 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,327 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.