| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N. WACKER DRIVE SUITE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | $70K | — | $70K | 1.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. | 12421 MEREDITH DRIVE URBANDALE, IA 503989001 | UNITEDHEALTHCARE INSURANCE COMPANY | $144K | — | $144K | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEABURY & SMITH INC. | 12421 MEREDITH DRIVE URBANDALE, IA 503989001 | UNITEDHEALTHCARE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | $52K | — | $52K | 1.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N. WACKER DRIVE SUITE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | $45K | — | $45K | 1.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 10414 DES MOINES, IA 503060414 | DELTA DENTAL OF WISCONSIN | $91K | — | $91K | 3.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT ADMIN. LLC | PO BOX 10414 DES MOINES, IA 503060414 | SECURIAN LIFE INSURANCE COMPANY | $161K | $23K | $184K | 11.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | — | $14K | $14K | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AT WORK SOLUTIONS | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $87K | — | $87K | 6.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $9K | $18K | 1.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | $101K | $9K | $110K | 10.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT ADMIN. LLC | PO BOX 10414 DES MOINES, IA 503060414 | SECURIAN LIFE INSURANCE COMPANY | — | $15K | $15K | 1.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT ADMIN. LLC | PO BOX 10414 DES MOINES, IA 503060414 | MINNESOTA LIFE INSURANCE COMPANY | $79K | $11K | $90K | 11.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | — | $7K | $7K | 0.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $49K | $4K | $53K | 10.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. LLC | PO BOX 10414 DES MOINES, IA 503060414 | MINNESOTA LIFE INSURANCE COMPANY | — | $7K | $7K | 1.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. LLC | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $20K | — | $20K | 6.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H & B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $14K | — | $14K | 4.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT ADMIN. LLC | PO BOX 10414 DES MOINES, IA 503060414 | SECURIAN LIFE INSURANCE COMPANY | $19K | $5K | $24K | 12.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. LLC | OI BOX 10414 PO BOX 9282 DES MOINES, IA 503060414 | MINNESOTA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 12.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS HEALTH EIN 05-0340626 PHARMACY MANAGEMENT | Claims processing Service code 12 | — | $25.9M |
| UNITEDHEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSING | Other services; Claims processing Service code 12 | — | $7.6M |
| BLUE CROSS BLUE SHIELD OF WISCONSIN EIN 39-0138065 CONTRACT ADMINISTRATOR | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $4.3M |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 DENTAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $583K |
| OPTUMRX EIN 33-0441200 PHARMACY BENEFIT MGMT. | Float revenue; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $219K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $37K |
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 | 117,623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 309 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117,932 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | 921 | $6.5M |
| Dental | DELTA DENTAL OF WISCONSIN | 6,705 | $2.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 41,000 | $3.1M |
| Life insurance(5 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 31,489 | $4.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,490 | $1.3M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | 921 | $6.5M |
| Other(5 contracts, 5 carriers) | COMPSYCH | 117,623 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117,623 | — |
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.