| 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 | $249K | — | $249K | 16.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $194K | — | $194K | 13.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $126K | — | $126K | 17.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS, INC. | $52K | $8K | $60K | 10.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $41 | $41 | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $55 | $55 | 1.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER EIN 13-2834414 NONE | Consulting (general) Service code 16 | — | $1.0M |
| NISA INVESTMENT ADVISORS LLC EIN 48-1140940 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $899K |
| A.C. NEWMAN AND COMPANY EIN 94-2246892 NONE | Insurance agents and brokers Service code 22 | — | $627K |
| CARE OPERATIVE LLC EIN 20-8981027 NONE | Consulting (general) Service code 16 | — | $573K |
| TRAVIS SOFTWARE CORP EIN 76-0191515 NONE | Other fees Service code 99 | — | $520K |
| SIBSON CONSULTING EIN 13-1835864 NONE | Actuarial Service code 11 | — | $279K |
| HEALTH EFX EIN 46-1243269 NONE | Consulting (general) Service code 16 | — | $156K |
| TOWERS WATSON EIN 26-0775680 NONE | Consulting (general) Service code 16 | — | $156K |
| WEST HEALTH ADVOCATE SOLUTIONS EIN 23-3080019 NONE | Consulting (general) Service code 16 | — | $114K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Float revenue; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $94K |
| BDO USA, LLP EIN 13-5381590 NONE | Accounting (including auditing) Service code 10 | — | $60K |
| SCHIELE GRAPHICS EIN 36-2430120 NONE | Consulting (general) Service code 16 | — | $33K |
| ERNST & YOUNG US LLP EIN 34-6565596 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| WELLS CAPITAL MANAGEMENT EIN 95-3692822 NONE | Investment management Service code 28 | — | $27K |
| MCC BEHAVIORAL CARE EIN 41-1648670 NONE | Insurance agents and brokers Service code 22 | — | $26K |
| NORWEST INVESTMENT MANAGEMENT EIN 41-1592157 NONE | Investment management Service code 28 | — | $23K |
| TOWERS WATSON DELAWARE, INC. EIN 53-0181291 NONE | Consulting (general) Service code 16 | — | $18K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Consulting (general) Service code 16 | — | $13K |
| GUIDESPARK, INC. EIN 26-2229814 NONE | Other fees Service code 99 | — | $10K |
| BUSINESSOLVER.COM, INC EIN 42-1503807 NONE | Consulting (general) Service code 16 | — | $5K |
| CIGNA HEALTHCARE | Direct payment from the plan; Investment management fees paid indirectly by plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication Service code 12 | — | $0 |
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 | 22,691 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,411 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES | 33 | $186K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,333 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 69,032 | $22.4M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 24,037 | $531K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 24,109 | $472K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,695 | $271K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,695 | $271K |
| Other(12 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 69,032 | $27.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 69,032 | — |
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."
No prospect flags tripped on this filing.