| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 101689 | — | $34 | $34 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0118689 | — | $34 | $34 | 0.00% |
| VISION SERVICE PLAN3 Filed as: VSP | PO BOX 385018 BIRMINGHAM, AL 352385018 | VISION SERVICE PLAN 12270668 | — | $249K | $249K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL 15TH FL DALLAS, TX 752314388 | BLUE CROSS BLUE SHIELD OF TEXAS | $68K | $1K | $69K | 5.04% |
| PROGRESSIVE PLAN ADMINISTRATORS3 | 470 PARK AVENUE SOUTH NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE 3213432 | -$4 | — | -$4 | -0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0215641 | $74K | $60 | $74K | 15.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY - 0215641 | $8 | — | $8 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY & CASUALTY - 4490010 | $44K | $34 | $44K | 9.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN PROPERTY & CASUALTY - 4490010 | — | $10K | $10K | 2.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY - 0215638 | $75K | $34 | $75K | 17.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0215639 | $45K | $52 | $45K | 13.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | JOHN HANCOCK LIFE INSURANCE COMPANY 28918 | $44K | — | $44K | 13.79% |
| PROGRESSIVE PLAN ADMINISTRATORS3 | 261 MADISON AVENUE NEW YORK, NY 10016 | JOHN HANCOCK LIFE INSURANCE COMPANY 28838 | $22K | — | $22K | 13.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0106459 | — | $34 | $34 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0104884 | — | $34 | $34 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0190090 | — | $34 | $34 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0160206 | — | $34 | $34 | 0.05% |
| PROGRESSIVE PLAN ADMINISTRATORS Filed as: PROGRESSIVE PLAN ADMIN -28735 | 261 MADISON AVE 5TH FL NEW YORK, NY 10016 | JOHN HANCOCK LIFE INSURANCE COMPANY 28735 | $8K | — | $8K | 13.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY - 0215642 | $8K | $34 | $8K | 15.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0215642 | $7 | — | $7 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0142603 | — | $34 | $34 | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 122383 | — | $34 | $34 | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0160519 | — | $34 | $34 | 0.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY-0156462 | — | $34 | $34 | 0.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE - 0121575 | — | $34 | $34 | 0.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0142599 | — | $34 | $34 | 0.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0215640 | $128 | $34 | $162 | 35.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0105228 | — | $34 | $34 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY -0149457 | — | $34 | $34 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEATLH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0121574 | — | $34 | $34 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0153513 | — | $34 | $34 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0151222 | — | $34 | $34 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE CO. - 0160518 | — | $34 | $34 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0014529 | — | $34 | $34 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0142598 | — | $34 | $34 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0149279 | — | $34 | $34 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGT | Other fees; Float revenue; Direct payment from the plan; Claims processing Service code 12 | 2300 MAIN STREET IRVINE, CA 92614 | $29.5M |
| UNITED HEALTHCARE SERVICES LLC EIN 47-0854646 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | ONE PENN PLAZA 8TH FLOOR NEW YORK, NY 10119 | $2.6M |
| OPTUMRX INC. EIN 33-0441200 PHARMACY BENEFIT MGT | Other fees; Float revenue; Direct payment from the plan; Claims processing Service code 12 | 2300 MAIN STREET IRVINE, CA 92614 | $857K |
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MGT | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | 2300 MAIN STREET IRVINE, CA 92614 | $463K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIM ADMINISTRATION | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Contract Administrator Service code 12 | HARTFORD HARTFORD, CT 06152 | $447K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CONTRACT ADMNISTRATOR | Claims processing; Contract Administrator Service code 12 | 200 PARK AVENUE NEW YORK, NY 10166 | $70K |
| AETNA EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $0 |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $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 | 16,457 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(17 contracts, 17 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 5,020 | $6.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE 3213432 | 2,754 | $544K |
| Vision | VISION SERVICE PLAN 12270668 | 10,976 | $2.1M |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY 0118689 | 14,806 | $2.4M |
| Short-term disability(11 contracts, 11 carriers) | METROPOLITAN LIFE INSURANCE COMPANY - 0212269 | 14,806 | $5.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY - 101689 | 23,706 | $3.0M |
| Other(7 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY 0118689 | 14,806 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,706 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.