| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $22K | $22K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $23K | $9K | $32K | 7.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | $2K | $9K | 10.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $148 | $31 | $179 | 11.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUECROSS BLUESHIELD EIN 15-0329043 | Claims processing Service code 12 | 165 COURT STREET ROCHESTER, NY 14647 | $903K |
| REDBRICK HEALTH EIN 20-5250594 | Other services Service code 49 | 510 S MARQUETTE AVE SUITE 500 MINNEAPOLIS, MN 55402 | $790K |
| CONNECT YOUR CARE EIN 26-1274092 | Other fees Service code 99 | 307 INTERNATIONAL CIR 200 HUNT VALLEY, MD 21030 | $174K |
| LIBERTY LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 | Claims processing Service code 12 | 141 CONGRESS ST BOSTON, MA 02110 | $145K |
| CASTLIGHT HEALTH, INC. EIN 26-1989091 | Other fees Service code 99 | 150 SPEAR ST SUITE 400 SAN FRANCISCO, CA 94105 | $124K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $99K |
| APPIRIO INC EIN 51-0602062 | Other fees Service code 99 | 201 S CAPITOL AVE INDIANAPOLIS, IN 46225 | $94K |
| THE JELLY VISION LAB, INC. EIN 36-4442819 | Other fees Service code 99 | 848 W. EASTMAN STREET, SUITE 104 CHICAGO, IL 60642 | $90K |
| HB SOLUTIONS LLC EIN 75-3230062 | Other fees Service code 99 | 99 GARNSEY ROAD PITTSFORD, NY 14534 | $77K |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 | Claims processing Service code 12 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $73K |
| CALM & SENSE COMMUNICATIONS, LTD. EIN 86-1139927 | Other fees Service code 99 | 25 N. WASHINGTON ST. 4TH FLOOR ROCHESTER, NY 14614 | $71K |
| PREVENTURE, LLC. EIN 05-0466481 | Other fees; Consulting fees Service code 70 | 2000 NOOSENECK HILL ROAD COVENTRY, RI 02816 | $44K |
| VISION SERVICE PLAN EIN 22-2777159 | Claims processing Service code 12 | P.O. BOX 45223 SAN FRANCISCO, CA 94145 | $43K |
| HEALTH ADVOCATE, INC. EIN 23-3080019 | Other fees Service code 99 | 3043 WALTON ROAD PLYMOUTH MEETING, PA 19462 | $42K |
| DISCOVERY BENEFITS | Other fees Service code 99 | 4321 20TH AVE SW FARGO, ND 58103 | $12K |
| BANK OF AMERICA, N.A EIN 94-1687665 | Trustee (bank, trust company, or similar financial institution) Service code 21 | 100 NORTH TRYON STREET CHARLOTTE, NC 28255 | $10K |
| NEXT JUMP, INC. | Other fees Service code 99 | 261 5TH AVE NEW YORK, NY 10016 | $8K |
| HEWITT ASSOCIATES LLC EIN 36-2235791 | Other fees Service code 99 | 100 HALF DAY ROAD LINCONSHIRE, IL 60069 | $6K |
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 | 3,407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,302 | $257K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,390 | $1.1M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,385 | $447K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD PLAN | 2,312 | $718K |
| Other(4 contracts, 3 carriers) | VALUEOPTIONS, INC. | 1,915 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,390 | — |
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.