| 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) | $78K | — | $78K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 606061710 | UNITEDHEALTHCARE INSURANCE COMPANY | $136K | — | $136K | 5.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | $263K | — | $263K | 10.00% |
| 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) | $52K | — | $52K | 1.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | UNITEDHEALTHCARE INSURANCE COMPANY | $201K | — | $201K | 9.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF WISCONSIN | $74K | — | $74K | 4.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | $121K | — | $121K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 6.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | $33K | — | $33K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H & B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $25K | $6K | $30K | 11.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS HEALTH EIN 05-0340626 PHARMACY MGMT | Claims processing Service code 12 | — | $32.5M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSING | Claims processing; Other services Service code 12 | — | $7.0M |
| BLUE CROSS BLUE SHIELD OF WISCONSIN EIN 39-0138065 CONTRACT ADMIN. | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $5.3M |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 DENTAL ADMIN. | Contract Administrator Service code 13 | — | $528K |
| PRUDENTRX EIN 84-4560702 NONE | Other services Service code 49 | — | $0 |
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 | 116,959 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 351 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117,310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | 813 | $6.5M |
| Dental | DELTA DENTAL OF WISCONSIN | 3,794 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 34,425 | $2.7M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 32,431 | $3.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,066 | $428K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | 813 | $6.5M |
| Other(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 117,623 | $3.2M |
| 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.