| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $467K | — | $467K | 2.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $150K | $150K | 0.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | $156K | — | $156K | 2.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | HYATT LEGAL PLANS, INC. | $64K | $17K | $80K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEABURY & SMITH/MARSH @WORK | P.O. BOX 10414 DES MOINES, IA 50306 | HYATT LEGAL PLANS, INC. | — | $37 | $37 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 794381 DALLAS, TX 753794381 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $5K | $44K | 2.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION | $30K | — | $30K | 14.37% |
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 | 157,256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7,227 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,434 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165,917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 189,578 | $156.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 25,387 | $8.8M |
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 231,304 | $27.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 91,125 | $17.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 91,125 | $17.6M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 17,175 | $89.8M |
| Other(3 contracts, 3 carriers) | HYATT LEGAL PLANS, INC. | 124,780 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231,304 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.