| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $130K | $130K | 1.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $42K | $42K | 1.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | $1K | $18K | 12.72% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.15% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 8.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $1K | $16K | 12.94% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.25% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $352 | $4K | 5.51% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $418 | $4K | 5.73% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $0 | $11K | 20.00% |
| CORESTREAM3 | 5404 CYPRESS CENTER DRIVE SUITE 130 TAMPA, FL 33609 | LEGALPLANS, USA | $12K | $0 | $12K | 25.00% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 20.00% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 20.00% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 20.00% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 19.99% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $863 | $0 | $863 | 20.00% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $884 | $0 | $884 | 20.71% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $168 | $0 | $168 | 19.95% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $112 | $0 | $112 | 20.07% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $59 | $0 | $59 | — |
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 | 14,593 | 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) | 14,593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 690 | $7.5M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30,946 | $12.6M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30,946 | $12.6M |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30,946 | $12.6M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 690 | $7.5M |
| Other(21 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30,946 | $13.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,946 | — |
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.