| 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 | SECURIAN LIFE INSURANCE COMPANY | $0 | $450K | $450K | 1.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $190K | $190K | 1.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $79 | $45K | 2.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | P.O. BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS, INC. | $79K | $16K | $96K | 5.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | 121 RIVER STREET FL 5 HOBOKEN, NJ 07030 | HYATT LEGAL PLANS, INC. | — | $20K | $20K | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEABURY & SMITH/MARSH @WORK | P.O. BOX 10414 DES MOINES, IA 50306 | HYATT LEGAL PLANS, INC. | — | $47 | $47 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $72K | — | $72K | 20.00% |
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 | 154,337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7,751 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,177 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164,265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 184,597 | $173.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 24,630 | $5.1M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 182,172 | $28.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 90,951 | $18.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 90,951 | $18.7M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 18,844 | $104.6M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 134,060 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184,597 | — |
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.