| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.0 Filed as: KELLOGG BROWN & ROOT LLC | 601 JEFFERSON STREET HOUSTON, TX 77002 | METROPOLITAN LIFE INSURANCE COMPANY | — | $66K | $66K | 2.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55K | $55K | 1.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $43K | $43K | 1.73% |
| WYLE LABS INC.0 | 1960 GRAND AVENUE SUITE 900 EL SEGUNDO, CA 90245 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 0.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4 EMBARCADERO STREET SAN FRANCISCO, CA 94111 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $48K | $48K | 3.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $41K | $24K | $65K | 4.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $29K | $14K | $43K | 5.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $85K | — | $85K | 11.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 633 W 5TH ST STE 1200 LOS ANGELES, CA 90245 | VISION SERVICE PLAN | $3K | — | $3K | 0.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $17K | — | $17K | 3.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE IN | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 3.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $73 | $73 | 1.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $42 | $42 | 1.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $812 | $812 | 141.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $3.1M |
| ANTHEM EIN 95-4331852 CONTRACT ADMINISTRATOR | Other services; Other fees; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.8M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $554K |
| DELTA DENTAL EIN 94-1461312 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $409K |
| BEACON HEALTH OPTIONS, INC. EIN 54-1414194 INSURANCE CARRIER | Insurance services Service code 23 | — | $294K |
| CVS PHARMACY, INC. EIN 05-0340626 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $182K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Direct payment from the plan Service code 50 | — | $158K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 INSURANCE CARRIER | Other services; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $152K |
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 | 10,562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 265 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 229 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 52 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 11,056 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 431 | $4.6M |
| Dental(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 983 | $2.1M |
| Vision(2 contracts) | VISION SERVICE PLAN | 3,730 | $1.2M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,918 | $5.7M |
| Short-term disability(5 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,870 | $1.8M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,870 | $1.8M |
| Prescription drug | TRIPLE S SALUD, INC. | 2 | $13K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,875 | $744K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,918 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,918 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.