| 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) | $86K | — | $86K | 2.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. | 12421 MEREDITH DRIVE URBANDALE, IA 503989001 | UNITEDHEALTHCARE INSURANCE COMPANY | $166K | — | $166K | 5.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT ADMIN LLC | PO BOX 10414 DES MOINES, IA 503060414 | SECURIAN LIFE INSURANCE COMPANY | $275K | $42K | $317K | 10.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | — | $23K | $23K | 0.78% |
| 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) | $47K | — | $47K | 1.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHERE CIRCLE CHICAGO, IL 606740001 | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | $12K | — | $12K | 0.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 10414 DES MOINES, IA 503060414 | DELTA DENTAL OF WISCONSIN | $82K | — | $82K | 3.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AT WORK SOLUTIONS | 12421 MERIDITH DRIVE URBANDALE, IA 50398 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $99K | — | $99K | 6.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $8K | $19K | 1.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | UNITEDHEALTHCARE INSURANCE COMPANY | $551K | — | $551K | 55.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | $110K | $9K | $119K | 15.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT ADMIN LLC | PO BOX 10414 DES MOINES, IA 503060414 | SECURIAN LIFE INSURANCE COMPANY | — | $17K | $17K | 2.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT ADMIN LLC | PO BOX 10414 DES MOINES, IA 503060414 | SECURIAN LIFE INSURANCE COMPANY | $45K | $7K | $53K | 8.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H & B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $31K | — | $31K | 9.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS HEALTH EIN 05-0340626 PHARMACY MANAGEMENT | Claims processing Service code 12 | — | $28.1M |
| UNITED HEALTHCARE 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 | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $5.1M |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 DENTAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $577K |
| OPTUMRX EIN 33-0441200 PHARMACY BENEFIT MGMT. | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $256K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $36K |
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 | 110,514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 267 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110,781 | 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) | 912 | $7.0M |
| Dental | DELTA DENTAL OF WISCONSIN | 6,364 | $2.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 40,758 | $3.1M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 31,381 | $3.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,258 | $1.5M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | 912 | $7.0M |
| Other(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 110,514 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110,514 | — |
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.