| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE CO OF AMERICA | $56K | — | $56K | 0.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS ADMIN LLC | P.O. BOX 310502 DES MOINES, IA 52242 | PRUDENTIAL INSURANCE CO OF AMERICA | $41K | — | $41K | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION/CHARTIS | $175K | — | $175K | 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% |
| 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% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH EXECUTIVE BENEFITS INC | PO BOX 27447 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $610 | — | $610 | 2.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 MEDICAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $10.8M |
| UNITED HEALTHCARE EIN 22-1211670 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $4.7M |
| EXPRESS SCRIPTS EIN 22-3461740 MEDICAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.9M |
| HEALTHYROADS INC EIN 33-0783504 MEDICAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.2M |
| RX SAVINGS LLC EIN 26-3642434 MEDICAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $526K |
| MERCER EIN 13-2834414 ACTUARY | Actuarial Service code 11 | — | $425K |
| PRICEWATERHOUSE COOPERS LLP EIN 13-4008324 CONSULTANTS | Consulting (general) Service code 16 | — | $125K |
| WINSTON AND STRAWN LLP EIN 36-1975990 LEGAL | Legal Service code 29 | — | $80K |
| COHNREZNICK LLP EIN 22-1478099 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $73K |
| SEGAL COMPANY EIN 13-1835864 CONSULTANTS | Consulting (general) Service code 16 | — | $11K |
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 | 32,223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,693 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 33,916 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA INC | 9,355 | $18.5M |
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 9,355 | $2.7M |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 22,373 | $4.9M |
| Life insurance | PRUDENTIAL INSURANCE CO OF AMERICA | 32,473 | $4.2M |
| Long-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 23,901 | $5.7M |
| Prescription drug(11 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA INC | 1,755 | $16.0M |
| Other(7 contracts, 4 carriers) | NATIONAL UNION/CHARTIS | 32,223 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,473 | — |
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.