| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740045 | UNITEDHEALTHCARE INSURANCE COMPANY | $707K | — | $707K | 9.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | HARTFORD LIFE AND ACCIDENT | $859K | — | $859K | 16.08% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | HARTFORD LIFE AND ACCIDENT | — | $115K | $115K | 2.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | HARTFORD LIFE AND ACCIDENT | — | $63K | $63K | 1.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1.2M | — | $1.2M | 64.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $49K | $22K | $71K | 7.16% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | EYEMED VISION CARE | $47K | — | $47K | 4.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | P.O. BOX 730182 DALLAS, TX 75373 | EYEMED VISION CARE | — | $3K | $3K | 0.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 0.82% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 0.48% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 6465 GREENWOOD PLAZA BLVD SUITE 500 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $7K | — | $7K | 0.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICACO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 0.93% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | KAISER FOUNDATION HEALTH PLAN INC | $603 | — | $603 | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 777 S FIGUEROA ST #1900 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $6K | — | $6K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $5K | — | $5K | 0.89% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $803 | — | $803 | 0.15% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3000 LAKESIDE DR STE 200 SOUTH BANNOCKBURN, IL 60015 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $3K | — | $3K | 1.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | LEGALPLANS USA | $37K | — | $37K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $2K | — | $2K | 1.05% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $300 | — | $300 | 0.18% |
| ATLAS INSURANCE AGENCY, INC.3 Filed as: ATLAS INSURANCE AGENCY, INC | 201 MERCHANT ST SUITE 1100 HONOLULU, HI 96813 | UNIVERSITY HEALTH ALLIANCE | $4K | — | $4K | 2.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | UNIVERSITY HEALTH ALLIANCE | $3K | — | $3K | 2.09% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $975 | — | $975 | 1.40% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 6465 GREENWOOD PLAZA BLVD SUITE 500 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $876 | — | $876 | 1.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 777 S FIGUEROA ST #1900 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $1K | — | $1K | 3.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | EYEMED VISION CARE | $604 | $204 | $808 | 8.36% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY N STE 500 DEERFIELD, IL 600152567 | EYEMED VISION CARE | $416 | — | $416 | 4.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | P.O. BOX 730182 DALLAS, TX 75373 | EYEMED VISION CARE | — | $23 | $23 | 0.24% |
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 | 19,508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 196 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 19,508 | $6.5M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 16,678 | $7.7M |
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE | 15,197 | $1.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 11,283 | $5.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 11,283 | $5.3M |
| Prescription drug(13 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 229 | $5.6M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 19,508 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,508 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.