| 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 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 0.87% |
| RETENTION STRATEGIES INSURANCE CORP4 Filed as: RETENTION STRATEGICS INC. | 409 SAN JORGE SAN JUAN, PR 009123313 | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | $13K | — | $13K | 3.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS AND BLUE SHIELD EIN 31-1440175 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $5.7M |
| MATRIX INTEGRATED PSYCHOLOGICAL SER EIN 77-0493584 NONE | Other services; Direct payment from the plan Service code 49 | — | $923K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $289K |
| HEALTH ADVOCATE, INC. EIN 23-3080019 NONE | Direct payment from the plan; Other services Service code 49 | — | $218K |
| AETNA EIN 06-6033492 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $130K |
| OPTUMRX, INC. EIN 11-2581812 NONE | Direct payment from the plan; Float revenue; Claims processing; Other fees Service code 12 | — | $38K |
| U.S. BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $13K |
| FHCHS EIN 66-0695932 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $6K |
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 | 8,893 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 129 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 38 | $843K |
| Vision | VISION SERVICE PLAN | 4,957 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 11,116 | $2.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,385 | $2.6M |
| Prescription drug(2 contracts, 2 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 38 | $843K |
| Other | ARAG INSURANCE COMPANY | 903 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,116 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.