| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - UTAH | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | MVP HEALTH CARE | $41K | — | $41K | 3.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTH CARE EIN 06-1413734 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $8.6M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 PLAN SPONSOR | Investment management fees paid indirectly by plan; Contract Administrator Service code 13 | — | $4.4M |
| AETNA EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $3.6M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $3.2M |
| ADP EIN 13-3036745 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $2.6M |
| WAGEWORKS EIN 94-3351864 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $301K |
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 | 17,914 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21,579 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 39,493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 11 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,159 | $15.2M |
| Dental | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 21 | $1.3M |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 18,295 | $9.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,251 | $0 |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 164 | $812K |
| Other | BLUE CARE NETWORK OF MICHIGAN | 164 | $812K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,295 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.