| 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 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $308K | $308K | 0.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 PARTY-IN-INTEREST | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $15.6M |
| ANTHEM INSURANCE EIN 35-0781558 PARTY-IN-INTEREST | Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $14.4M |
| FIDELITY EIN 04-2647786 PARTY-IN-INTEREST | Other services Service code 49 | — | $9.1M |
| CVS CAREMARK EIN 20-8404182 PARTY-IN-INTEREST | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $3.5M |
| MEQUILIBRIUM EIN 30-0734167 PARTY-IN-INTEREST | Other services Service code 49 | — | $940K |
| WILLIS TOWERS WATSON EIN 53-0181291 PARTY-IN INTEREST | Participant communication Service code 38 | — | $921K |
| CORE SOLUTIONS (MEDIFIT) EIN 22-3339492 PARTY-IN-INTEREST | Other services Service code 49 | — | $384K |
| ERNST & YOUNG EIN 34-6565596 PARTY-IN INTEREST | Consulting (general) Service code 16 | — | $331K |
| INFOTECH PARTY-IN INTEREST | Other services Service code 49 | — | $201K |
| ISLAND PEER REVIEW ORGANIZATION EIN 11-2662689 PARTY-IN INTEREST | Other services Service code 49 | — | $160K |
| DIRECT PATH EIN 02-0677999 PARTY-IN INTEREST | Consulting (general) Service code 16 | — | $89K |
| MERCER EIN 13-2834414 PARTY-IN-INTEREST | Consulting (general) Service code 16 | — | $70K |
| HTA, LLC EIN 47-4919337 PARTY-IN-INTEREST | Consulting (general) Service code 16 | — | $53K |
| BI WORLDWIDE EIN 41-0688799 PARTY-IN-INTEREST | Other services Service code 49 | — | $22K |
| LABCORP EIN 83-3697312 PARTY-IN INTEREST | Other services Service code 49 | — | $13K |
| BUDCO EIN 38-1622051 PARTY-IN INTEREST | Other services Service code 49 | — | $7K |
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 | 55,024 | 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) | 55,024 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 9 carriers) | KAISER PERMANENTE - NO. CA | 2,011 | $34.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 96,202 | $50.0M |
| Vision | ANTHEM INSURANCE COMPANIES | 70,654 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96,202 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.