| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 10087 | MINNESOTA LIFE INSURANCE COMPANY | $135K | $103K | $238K | 5.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS | P.O. BOX101162 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $78K | $0 | $78K | 2.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLLLC | COM LOCKBOX 28852 NEW YORK, NY 10087 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $49K | $49K | 2.26% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC. | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $98K | $0 | $98K | 15.14% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC. | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $53K | $0 | $53K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 10087 | MINNESOTA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 5.26% |
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $382 | $16K | 20.50% |
| KATHY SPANGLER | 7045 COLLEGE BLVD. OVERLAND PARK, KS 66211 | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS HEALTH EIN 05-0340626 CLAIMS PROCESSOR - RX | Claims processing Service code 12 | — | $24.5M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR-MEDICA | Other services; Claims processing Service code 12 | — | $9.9M |
| KAISER FOUNDATION HEALTH PLAN INC. EIN 94-1340523 CLAIMS PROCESSOR - MEDICA | Other services; Claims processing Service code 12 | — | $1.3M |
| LYRA CLINICAL ASSOCIATES P.C. EIN 47-5645538 PLAN ADMINISTRATOR | Other services; Direct payment from the plan Service code 49 | — | $967K |
| ZURICH AMERICAN LIFE INSURANCE CO. EIN 35-3050975 CLAIMS PROCESSOR - FMLA | Claims processing Service code 12 | — | $605K |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 CLAIMS PROCESSOR-DENTAL | Claims processing Service code 12 | — | $376K |
| LYRA HEALTH, INC. EIN 47-2935915 PLAN ADMINISTRATOR | Direct payment from the plan; Other services Service code 49 | — | $165K |
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 | 15,060 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,060 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 33 | $995K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 20,810 | $14.2M |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 33 | $1.8M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,041 | $3.7M |
| Other(7 contracts, 4 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 23,618 | $7.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,618 | — |
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.