| 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 60674 | SECURIAN LIFE INSURANCE COMPANY | — | $87K | $87K | 2.34% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $42K | — | $42K | 1.37% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $37K | — | $37K | 1.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $25K | $25K | 1.26% |
| AMERICAN BNFT & COMP SYSTEMS3 | 101 PARK AVE 14TH FL NEW YORK, NY 10016 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $10K | $10K | 0.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | — | $30K | $30K | 2.34% |
| WILLIS TOWERS WATSON US LLC3 | 300 SOUTH GRAND AVE SUITE 2000 LOS ANGELES, CA 90071 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $8K | — | $8K | 1.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | — | $9K | $9K | 2.33% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $547 | — | $547 | 0.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4 EMBARCADERO CENTER SUITE 400 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $907 | — | $907 | 1.63% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $254 | — | $254 | 1.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 310502 DES MOINES, IA 50331 | ARAG INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $5.4M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $2.5M |
| KEENAN PHARMACY CARE EIN 38-3797947 NONE | Contract Administrator Service code 13 | — | $969K |
| VIRGIN PULSE NONE | Contract Administrator Service code 13 | 75 FOUNTAIN ST PROVIDENCE, RI 02902 | $471K |
| EXPRESS SCRIPTS INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $436K |
| DELTA DENTAL EIN 41-1905554 NONE | Contract Administrator Service code 13 | — | $411K |
| SAVEONSP EIN 47-3603390 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $315K |
| WELLNESS CORPORATE SOLUTIONS NONE | Contract Administrator Service code 13 | PO BOX 8034 BURLINGTON, NC 27216 | $304K |
| LINCOLN LIFE ASSURANCE COMPANY EIN 04-6076039 NONE | Contract Administrator Service code 13 | — | $248K |
| JELLYVISION NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 848 W. EASTMAN ST. CHICAGO, IL 60642 | $184K |
| ROC GROUP EIN 36-4220885 NONE | Direct payment from the plan; Participant communication; Consulting (pension) Service code 17 | — | $184K |
| PAYFLEX EIN 91-1774434 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $117K |
| HEALTH ALLIANCE EIN 37-1260731 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $108K |
| REPCO PRINTERS & LITHOGRAPHERS EIN 43-0864437 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $105K |
| MILLIMAN EIN 91-0675641 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $102K |
| BLUE CROSS BLUE SHIELD OF MN EIN 41-0984460 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing Service code 12 | — | $96K |
| CARROT (2020 SMOKING CESSATION) NONE | Contract Administrator Service code 13 | 1400A SEAPORT BLVD. ST 501 REDWOOD CITY, CA 94063 | $64K |
| OPTUM EIN 36-0423349 NONE | Contract Administrator Service code 13 | 11000 OPTUM CIR EDEN PRAIRIE, MN 55344 | $60K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $47K |
| ADP NATIONAL ACCOUNT SERVICES EIN 22-1467904 NONE | Contract Administrator Service code 13 | — | $44K |
| AON HEWITT EIN 36-2237591 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $43K |
| SELECTACCOUNT EIN 41-6019132 NONE | Claims processing; Contract Administrator Service code 12 | — | $22K |
| FAEGRE BAKER DANIELS, LLP EIN 41-0244008 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
| HEALTH FITNESS CORPORATION EIN 41-1580506 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $14K |
| KINNEY & LARSON LLP NONE | Legal Service code 29 | 15141 CHERRY LN BURNSVILLE, MN 55306 | $7K |
| COMPASS LANGUAGES (CRESTON COMPANY) EIN 13-4194307 NONE | Contract Administrator Service code 13 | — | $6K |
| QUEST DIAGNOSTICS EIN 16-1387862 NONE | Contract Administrator Service code 13 | — | $5K |
| MERCER HEALTH & BENEFITS, LLC EIN 13-2834414 BROKER | Other commissions Service code 55 | — | $0 |
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 | 18,841 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 133 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 18,974 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 5 carriers) | HIGHMARK INC. | 516 | $11.2M |
| Dental | DELTA DENTAL | 25,454 | $6.4M |
| Vision | VISION SERVICE PLAN | 10,628 | $2.1M |
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 16,963 | $5.4M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,055 | $2.0M |
| Other(2 contracts, 2 carriers) | ARAG INSURANCE COMPANY | 134 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,454 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.