| 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 | — | $491K | $491K | 1.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 PARTY-IN-INTEREST | Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $13.5M |
| ANTHEM INSURANCE EIN 35-0781558 PARTY-IN-INTEREST | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $11.6M |
| FIDELITY EIN 04-2647786 PARTY-IN-INTEREST | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services Service code 13 | — | $8.8M |
| CVS CAREMARK EIN 20-8404182 PARTY-IN-INTEREST | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $3.9M |
| MEQUILIBRIUM EIN 30-0734167 PARTY-IN-INTEREST | Other services Service code 49 | — | $802K |
| MERCER EIN 13-2834414 PARTY-IN-INTEREST | Consulting (general) Service code 16 | — | $499K |
| CORE SOLUTIONS (MEDIFIT) EIN 22-3339492 PARTY-IN-INTEREST | Other services Service code 49 | — | $389K |
| MERATIVE EIN 88-1430661 PARTY-IN INTEREST | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $348K |
| ERNST & YOUNG EIN 34-6565596 PARTY-IN INTEREST | Consulting (general) Service code 16 | — | $314K |
| WILLIS TOWERS WATSON EIN 53-0181291 PARTY-IN INTEREST | Participant communication Service code 38 | — | $207K |
| LABCORP EIN 83-3697312 PARTY-IN INTEREST | Other services Service code 49 | — | $77K |
| ISLAND PEER REVIEW ORGANIZATION EIN 11-2662689 PARTY-IN INTEREST | Other services Service code 49 | — | $27K |
| ALTERITY EIN 27-0787824 PARTY-IN INTEREST | Consulting (general) Service code 16 | — | $27K |
| 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 | 50,667 | 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) | 50,667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 9 carriers) | KAISER PERMANENTE - NO. CA | 1,943 | $28.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 87,491 | $40.9M |
| Vision | ANTHEM INSURANCE COMPANIES | 67,374 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87,491 | — |
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.