| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4564 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $86K | — | $86K | 1.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE SUITE 300 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $34K | — | $34K | 0.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4695 MACARTHUR, SUITE 600 NEWPORT BEACH, CA 92661 | AETNA LIFE INSURANCE COMPANY | — | $173 | $173 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6399 FIDDLERS GREEN CIRCLE SUITE 200 DENVER, CO 80111 | AETNA LIFE INSURANCE COMPANY | — | $115 | $115 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA HEALTH, INC. | $70K | $44K | $113K | 2.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE SUTIE 300 MOUNT LAUREL, NJ 08054 | AETNA HEALTH, INC. | $26K | — | $26K | 0.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN. | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $15K | 2.37% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $973 | $5K | 0.81% |
| GALLAGEHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 2.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 1.81% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | — | $2K | 2.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | VISION SERVICE PLAN | $942 | — | $942 | 0.83% |
| BROKERAGE SOLUTIONS INC3 Filed as: BROKERAGE SOLUTIONS, INC. | 3979 PARK TOWNE COURT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 26.77% |
| AMY YAMAMOTO3 | 16391 REDLANDS LANE HUNTINGTON BEACH, CA 92647 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.62% |
| VALI NOURISHAD3 | 17901 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92614 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $148 | — | $148 | 0.69% |
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 | 1,031 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,051 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 939 | $9.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 876 | $653K |
| Vision | VISION SERVICE PLAN | 797 | $114K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,031 | $313K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,031 | $335K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 939 | $9.0M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,031 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,031 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.