| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF AMERICA | $1.3M | — | $1.3M | 65.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $727K | — | $727K | 40.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1.0M | — | $1.0M | 70.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $55K | $9K | $64K | 8.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 100260 PASADENA, CA 91189 | HYATT LEGAL PLANS | $0 | $929 | $929 | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $66 | $66 | 0.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA LIFE INSRUANCE CO. OF NEW YORK | — | $68 | $68 | 0.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER EIN 13-2834414 NONE | Consulting (general) Service code 16 | — | $1.7M |
| NISA INVESTMENT ADVISORS LLC EIN 48-1140940 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $916K |
| CIGNA HEALTHCARE EIN 59-1031071 NONE | Named fiduciary; Direct payment from the plan; Participant communication; Other services; Float revenue; Contract Administrator; Investment management fees paid indirectly by plan; Non-monetary compensation; Claims processing Service code 12 | — | $843K |
| HEALTH ADVOCATE, INC. EIN 23-3080019 NONE | Consulting (general) Service code 16 | — | $558K |
| CARE OPERATIVE LLC EIN 20-8981027 NONE | Consulting (general) Service code 16 | — | $508K |
| TOWERS WATSON DELAWARE, INC. EIN 53-0181291 NONE | Consulting (general) Service code 16 | — | $359K |
| SIBSON CONSULTING EIN 13-1835864 NONE | Actuarial Service code 11 | — | $283K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Other fees Service code 99 | — | $165K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Float revenue Service code 21 | — | $139K |
| TOWERS WATSON EIN 26-0775680 NONE | Consulting (general) Service code 16 | — | $138K |
| HEALTH EFX EIN 46-1243269 NONE | Consulting (general) Service code 16 | — | $110K |
| ALL STATE EIN 59-0781901 NONE | Insurance services Service code 23 | — | $91K |
| HEALTHROADS, INC. EIN 33-0783504 NONE | Other fees Service code 99 | — | $81K |
| BUSINESSOLVER.COM, INC EIN 42-1503807 NONE | Consulting (general) Service code 16 | — | $80K |
| BDO USA, LLP EIN 13-5381590 NONE | Accounting (including auditing) Service code 10 | — | $66K |
| ERNST & YOUNG US LLP EIN 34-6565596 NONE | Accounting (including auditing) Service code 10 | — | $41K |
| DELOITTE TAX LLP EIN 86-1065772 NONE | Accounting (including auditing) Service code 10 | — | $41K |
| SCHIELE GRAPHICS EIN 36-2430120 NONE | Consulting (general) Service code 16 | — | $30K |
| TRAVIS SOFTWARE CORP EIN 76-0191515 NONE | Other fees Service code 99 | — | $27K |
| NORWEST INVESTMENT MANAGEMENT EIN 41-1592157 NONE | Investment management Service code 28 | — | $23K |
| DOEREN MAYHEW EIN 36-4745545 NONE | Accounting (including auditing) Service code 10 | — | $22K |
| GUIDESPARK, INC. EIN 26-2229814 NONE | Other fees Service code 99 | — | $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 | 23,383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,454 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES | 36 | $193K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,913 | $444K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 72,054 | $22.3M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,913 | $444K |
| Other(11 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 72,054 | $29.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72,054 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.