| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | PO BOX 10414 DES MOINES, IA 50306 | PRUDENTIAL INSURANCE CO OF AMERICA | $138K | — | $138K | 2.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION/CHARTIS | $170K | — | $170K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION/CHARTIS | $46K | — | $46K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH EXECUTIVE BENEFITS INC | PO BOX 27447 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION/CHARTIS | $4K | — | $4K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 MEDICAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $8.3M |
| UNITED HEALTHCARE EIN 22-1211670 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $4.7M |
| HEALTHYROADS INC EIN 33-0783504 MEDICAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $2.3M |
| EXPRESS SCRIPTS INC EIN 22-3461740 MEDICAL ADMINISTRATOR | Claims processing; Other services; Contract Administrator Service code 12 | — | $654K |
| MERCER EIN 13-2834414 ACTUARY | Actuarial Service code 11 | — | $210K |
| MCDERMOTT WILL & EMERY EIN 36-1453176 LEGAL | Legal Service code 29 | — | $69K |
| PRICE WATERHOUSE COOPERS EIN 13-4008324 CONSULTANTS | Consulting (general) Service code 16 | — | $22K |
| SEGAL COMPANY EIN 13-1835864 CONSULTANTS | Consulting (general) Service code 16 | — | $10K |
| OPTUM HEALTH EIN 47-0858534 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $10K |
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 | 29,932 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 356 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 30,288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 11 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA INC | 7,654 | $20.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 7,654 | $2.5M |
| Vision | VISION SERVICE PLAN | 20,114 | $3.8M |
| Life insurance | PRUDENTIAL INSURANCE CO OF AMERICA | 30,413 | $3.7M |
| Long-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 25,418 | $5.8M |
| Prescription drug | TRIPLE-S SALUD INC | 29 | $220K |
| Other(5 contracts, 3 carriers) | NATIONAL UNION/CHARTIS | 29,932 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,413 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.