| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 125 OTTAWA AVE NW STE 400 CHICAGO, IL 60674 | PRUDENTIAL INSURANCE CO OF AMERICA | $95K | — | $95K | 1.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION/CHARTIS | $190K | — | $190K | 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 | $61K | — | $61K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH EXECUTIVE BENEFITS INC | PO BOX 27447 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION/CHARTIS | $8K | — | $8K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 MEDICAL ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $8.7M |
| UNITED HEALTHCARE EIN 22-1211670 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $5.2M |
| HEALTHYROADS INC EIN 33-0783504 MEDICAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $3.3M |
| EXPRESS SCRIPTS EIN 22-3461740 MEDICAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.5M |
| MERCER EIN 13-2834414 ACTUARY | Actuarial Service code 11 | — | $177K |
| WINSTON AND STRAWN LLP EIN 36-1975990 LEGAL | Legal Service code 29 | — | $39K |
| PRICEWATERHOUSE COOPERS LLP EIN 13-4008324 CONSULTANTS | Consulting (general) Service code 16 | — | $33K |
| COHNREZNICK LLP EIN 22-1478099 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $28K |
| SEGAL COMPANY EIN 13-1835864 CONSULTANTS | Consulting (general) Service code 16 | — | $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 | 31,910 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,655 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 33,565 | 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 | 9,128 | $19.8M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 9,128 | $2.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 21,936 | $4.7M |
| Life insurance | PRUDENTIAL INSURANCE CO OF AMERICA | 32,162 | $4.2M |
| Long-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 24,309 | $5.8M |
| Prescription drug(11 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA INC | 1,783 | $17.4M |
| Other(6 contracts, 4 carriers) | NATIONAL UNION/CHARTIS | 31,910 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,162 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.