| 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 | — | $21K | $21K | 1.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $30K | $9K | $39K | 7.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | $2K | $11K | 12.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $186 | $31 | $217 | 12.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUECROSS BLUESHIELD EIN 15-0329043 | Claims processing Service code 12 | 165 COURT STREET ROCHESTER, NY 14647 | $1.0M |
| REDBRICK HEALTH EIN 20-5250594 | Other services Service code 49 | 510 S MARQUETTE AVE SUITE 500 MINNEAPOLIS, MN 55402 | $886K |
| LIBERTY LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 | Claims processing Service code 12 | 141 CONGRESS ST BOSTON, MA 02110 | $174K |
| HB SOLUTIONS LLC EIN 75-3230062 | Other fees Service code 99 | 99 GARNSEY ROAD PITTSFORD, NY 14534 | $138K |
| HEALTH ADVOCATE, INC. EIN 23-3080019 | Other fees Service code 99 | 3043 WALTON ROAD PLYMOUTH MEETING, PA 19462 | $117K |
| CASTLIGHT HEALTH, INC. EIN 26-1989091 | Other fees Service code 99 | 150 SPEAR ST SUITE 400 SAN FRANCISCO, CA 94105 | $115K |
| THE JELLY VISION LAB, INC. EIN 36-4442819 | Other fees Service code 99 | 848 W. EASTMAN STREET, SUITE 104 CHICAGO, IL 60642 | $109K |
| DELTA DENTAL OF NEW YORK EIN 11-1980218 | Claims processing Service code 12 | ONE DELTA DRIVE MECHANICSBURG, PA 17055 | $88K |
| CALM & SENSE COMMUNICATIONS, LTD. EIN 86-1139927 | Other fees Service code 99 | 25 N. WASHINGTON ST. 4TH FLOOR ROCHESTER, NY 14614 | $87K |
| CONNECT YOUR CARE EIN 26-1274092 | Other fees Service code 99 | 307 INTERNATIONAL CIR 200 HUNT VALLEY, MD 21030 | $81K |
| THE FRUIT GUYS LLC EIN 94-3292703 | Other fees Service code 99 | 490 ECCLES AVENUE SAN FRANCISCO, CA 94080 | $65K |
| VISION SERVICE PLAN EIN 22-2777159 | Claims processing Service code 12 | P.O. BOX 45223 SAN FRANCISCO, CA 94145 | $49K |
| CLC INCORPORATED EIN 68-0115281 | Other fees Service code 99 | 3001 LAVA RIDGE COURT 250 ROSEVILLE, CA 95661 | $48K |
| NEXT JUMP, INC. | Other fees Service code 99 | 261 5TH AVE NEW YORK, NY 10016 | $26K |
| 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 |
| APPIRIO INC EIN 51-0602062 | Other fees Service code 99 | 201 S CAPITOL AVE INDIANAPOLIS, IN 46225 | $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 | 3,684 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 1,214 | $215K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,760 | $1.2M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,694 | $501K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD PLAN | 2,540 | $883K |
| Other(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 811 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,760 | — |
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.