| 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 | — | $121K | $121K | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $69K | $69K | 0.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMINISTRATION | Non-monetary compensation; Claims processing; Float revenue; Named fiduciary; Other services; Participant communication; Direct payment from the plan; Contract Administrator Service code 12 | — | $23.7M |
| EXPRESS SCRIPTS EIN 43-1420563 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $1.4M |
| ERNST & YOUNG EIN 34-6465596 CONSULTING | Consulting (general) Service code 16 | — | $547K |
| MACY'S CREDIT & CUSTOMER SERVICES EIN 31-1397510 ADMINISTRATION | Plan Administrator Service code 14 | — | $174K |
| AON EIN 22-2232264 ACTUARY | Actuarial Service code 11 | — | $161K |
| CONNECTICUT GENERAL LIFE INS CO | Float revenue; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Claims processing; Other services; Named fiduciary Service code 12 | — | $81K |
| MERCER EIN 13-2834414 ACCOUNTING | Accounting (including auditing) Service code 10 | — | $81K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 RCDKPG/INFO MGMT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $73K |
| HTA LIMITED COOP EIN 36-4826184 RCDKPG/INFO MGMT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $65K |
| INTERNATIONAL BUSINESS MACHINES EIN 13-0871985 RCDKPG/INFO MGMT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $58K |
| MACY'S, INC. EIN 13-3324058 ADMINISTRATION | Plan Administrator Service code 14 | — | $16K |
| CIGNA BEHAVIORAL HEALTH EIN 41-1648670 ADMINISTRATION | Contract Administrator; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $14K |
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 | 96,682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13,984 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9,056 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119,722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | GROUP HEALTH COOPERATIVE - KAISER | 367 | $5.8M |
| Dental(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 55,993 | $27.9M |
| Vision | TRIPLE-S, INC. | 214 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 51,169 | $12.5M |
| Prescription drug | TRIPLE-S, INC. | 214 | $1.2M |
| Other(2 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 32,736 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 55,993 | — |
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.