| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LEADERS GROUP INC3 Filed as: THE LEADERS GROUP, INC. | 26 WEST DRY CREEK CIRCLE, SUITE 800 LITTLETON, CO 80120 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $0 | $44K | 3.59% |
| GBS INS AND FINANCIAL SERVICES INC3 Filed as: GBS INSURANCE AND FINANCIAL SERVICE | 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $296K | $0 | $296K | 31.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 22035 KAREN STREET ELKHORN, NE 68022 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $72K | $0 | $72K | 8.89% |
| PETER H HOOPIS3 | 300 SOUTH WACKER DRIVE, SUITE 2000 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $306 | $0 | $306 | 0.04% |
| DAVID A PEARRE3 | 101 WAUKEGAN ROAD, SUITE 990 LAKE BLUFF, IL 60044 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $60 | $0 | $60 | 0.01% |
| GREGORY A MCROBERTS3 | 900 EAST 96TH STREET, SUITE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M MCGRATH | 2531 LANDMARK DRIVE, SUITE 204 CLEARWATER, FL 33761 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $14K | $53K | 6.72% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SWISS RE CORPORATE SOLUTIONS AMERICA INS. CORP. | $36K | $0 | $36K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $113K | $100 | $113K | 23.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 21820 BURBANK BOULEVARD, SUITE 301 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $107 | $22K | 5.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $107 | $107 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21 | $21 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $16K | — | $16K | 9.96% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 100260 PASADENA, CA 91189 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 0.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | 71 SOUTH WACKER DRIVE, SUITE 2600 CHICAGO, IL 60606 | METLIFE LEGAL PLANS | $0 | $99 | $99 | 0.06% |
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 | 6,885 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 324 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 155 | $2.4M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,170 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,821 | $2.2M |
| Long-term disability(3 contracts, 3 carriers) | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | 2,280 | $2.5M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 155 | $2.4M |
| Stop-loss / reinsurancereinsurance | SWISS RE CORPORATE SOLUTIONS AMERICA INS. CORP. | 5,514 | $723K |
| Other(6 contracts, 5 carriers) | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | 8,821 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,821 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.