| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC | $30K | $5K | $35K | 0.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $28K | — | $28K | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | LOCKBOX 740659 LOS ANGELES, CA 90074 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $30K | $9K | $39K | 2.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $31K | $4K | $35K | 2.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | LOCKBOX 740659 LOS ANGELES, CA 90074 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $11K | $5K | $16K | 1.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $12K | $3K | $15K | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | LOCKBOX 740659 LOS ANGELES, CA 90074 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $8K | $4K | $12K | 1.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $9K | $2K | $11K | 1.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $218 | $1K | 0.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $199 | $3K | 1.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $9K | $878 | $10K | 7.39% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST, PLAZA TWO 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METLIFE LEGAL PLANS | $5K | — | $5K | 3.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | METLIFE LEGAL PLANS | — | $853 | $853 | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC | $200 | $39 | $239 | 0.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IA 60606 | KAISER FOUNDATION HEALTH PLAN INC | $206 | — | $206 | 0.35% |
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 | 4,505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,549 | $8.2M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,443 | $1.6M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,509 | $951K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,509 | $733K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 1,531 | $7.8M |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,443 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,443 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.