| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.93% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.38% |
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $75 | $3K | 25.63% |
| AON CONSULTING INC3 | HEWITT ASSOCIATES LLC 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | SHELTERPOINT LIFE INSURANCE COMPANY | — | $662 | $662 | 15.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VA, INC. EIN 54-0357120 ASO MED CLAIMS | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing Service code 12 | — | $717K |
| CVS PHARMACY, INC. EIN 05-0340626 ASO RX CLAIMS | Contract Administrator; Direct payment from the plan; Float revenue; Claims processing; Participant communication; Other services Service code 12 | — | $38K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 ASO DENTAL CLAIMS | Contract Administrator Service code 13 | — | $36K |
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 | 911 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 752 | $372K |
| Dental | DELTA DENTAL OF VIRGINIA | 765 | $36K |
| Vision | VISION SERVICE PLAN | 678 | $180K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,452 | $467K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 17 | $4K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 729 | $181K |
| Prescription drug | CVS PHARMACY, INC. | 752 | $38K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 752 | $372K |
| Other(3 contracts, 3 carriers) | THE STAYWELL COMPANY, LLC | 961 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,452 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.