| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | BLUE CROSS BLUE SHIELD OF KANSAS CITY - 2967600 | $132K | $114K | $246K | 1.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 101689 | — | $38 | $38 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0118689 | — | $38 | $38 | 0.00% |
| VISION SERVICE PLAN3 Filed as: VSP | PO BOX 385018 BIRMINGHAM, AL 352385018 | VISION SERVICE PLAN 12270668 | — | $283K | $283K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | BLUE CROSS BLUE SHIELD OF TEXAS - 245105 | $106K | $2K | $108K | 6.04% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY - 0215638 | $199K | $38 | $199K | 23.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INS. COMPANY - 0215641 | $146K | $80 | $146K | 19.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN PROPERTY & CASUALTY - 4490010 | $62K | — | $62K | 13.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY & CASUALTY - 4490010 | — | $12K | $12K | 2.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY - 0215639 | $68K | $78 | $68K | 16.18% |
| PROGRESSIVE PLAN ADMINISTRATORS3 | 261 MADISON AVENUE NEW YORK, NY 10016 | JOHN HANCOCK LIFE INSURANCE COMPANY 28918 | $47K | — | $47K | 13.82% |
| PROGRESSIVE PLAN ADMINISTRATORS3 | 26 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | JOHN HANCOCK LIFE INSURANCE COMPANY 28838 | $23K | — | $23K | 13.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0106459 | — | $38 | $38 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0104884 | — | $38 | $38 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0142603 | — | $38 | $38 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. | PO BOX 85052 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY - 0215642 | $7K | $38 | $7K | 9.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0160206 | — | $38 | $38 | 0.06% |
| PROGRESSIVE PLAN ADMINISTRATORS | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | JOHN HANCOCK - 28735 | $9K | — | $9K | 13.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0190090 | — | $38 | $38 | 0.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 122383 | — | $38 | $38 | 0.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0160519 | — | $38 | $38 | 0.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE - 0121575 | — | $38 | $38 | 0.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE CO. - 0142599 | — | $38 | $38 | 1.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0156462 | — | $38 | $38 | 2.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0105228 | — | $38 | $38 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0121574 | — | $38 | $38 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0153513 | — | $38 | $38 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0151222 | — | $38 | $38 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0142598 | — | $38 | $38 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY-0149279 | — | $38 | $38 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0014529 | — | $38 | $38 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0102157 | — | $38 | $38 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0163529 | — | $38 | $38 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC -PSI3659 EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | PO BOX 509075 SAN DIEGO, CA 92150 | $38.9M |
| AETNA - 800272 EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $7.0M |
| UNITED HEALTHCARE SERV, LLC 908759 EIN 47-0854646 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | ONE PENN PLAZA 8TH FLOOR NEW YORK, NY 10119 | $3.5M |
| CIGNA HEALTH AND LIFE INS-3213448 EIN 59-1031071 CLAIM ADMINISTRATION | Participant communication; Contract Administrator; Float revenue; Other services; Claims processing; Direct payment from the plan; Named fiduciary; Non-monetary compensation Service code 12 | HARTFORD HARTFORD, CT 06152 | $526K |
| METROPOLITAN LIFE INS CO - 0316848 EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 501 US HIGHWAY 22 2ND FLOOR - W BRIDGEWATER, NJ 08807 | $508K |
| METROPOLITAN LIFE INS CO - 0308513 EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 501 US HIGHWAY 22 2ND FLOOR WEST BRIDGEWATER, NJ 08807 | $13K |
| METROPOLITAN LIFE INS CO 0303877 EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 901 US HIGHWAY 22 2ND FL WEST BRIDGEWATER, NJ 08807 | $195 |
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 | 23,328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 23,328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 12 carriers) | UNITED HEALTHCARE INSURANCE COMPANY-242431 | 10,031 | $7.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE 3213448 | 4,534 | $820K |
| Vision | VISION SERVICE PLAN 12270668 | 12,862 | $2.4M |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY 0118689 | 21,236 | $4.9M |
| Short-term disability(15 contracts, 15 carriers) | METROPOLITAN LIFE INSURANCE COMPANY 0118689 | 21,236 | $7.4M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY - 101689 | 17,106 | $5.0M |
| Other(8 contracts, 8 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS CITY - 2967600 | 21,236 | $21.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,236 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.