| 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 606740045 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $200K | — | $200K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $197K | $38K | $236K | 2.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | — | $50K | 1.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BC/BS OF NJ EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $8.5M |
| EXPRESS SCRIPTS INC. EIN 43-1420563 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $1.6M |
| METROPOLITAN LIFE INSURANCE CO. EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $487K |
| CIGNA LTD. EIN 06-0303370 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $71K |
| ACTIVE HEALTH EIN 52-2182411 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $63K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Custodial (securities); Custodial (other than securities); Direct payment from the plan Service code 18 | — | $36K |
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 | 27,395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,780 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 353 | $3.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 353 | $3.4M |
| Life insurance(11 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 26,509 | $27.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 24,065 | $10.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,509 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.