| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR, SUITE 1500 CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 0.88% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 85638 SAN DIEGO, CA 92186 | KAISER FOUNDATION HEALTH PLAN INC | -$9K | $2K | -$7K | -0.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $10K | — | $10K | 0.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $14K | — | $14K | 4.44% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 5.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 1.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $729 | — | $729 | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 3.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE, SUITE 400 DAYTON, OH 45402 | ANTHEM LIFE INSURANCE COMPANY | — | $1K | $1K | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 1999 HARRISON STREET, SUITE 1230 OAKLAND, CA 94612 | ANTHEM LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $640 | — | $640 | 0.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | — | $2K | 3.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57 | — | $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 | 4,222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,088 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 593 | $3.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 164 | $55K |
| Vision(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,589 | $355K |
| Life insurance(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 7,438 | $1.1M |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 360 | $73K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 3,628 | $383K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 186 | $414K |
| Other(9 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 6,262 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,438 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.