| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YOR, NY 11036 | WELLPOINT STOP LOSS | $46K | $23K | $70K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE DBA ANTHEM EIN 31-1440175 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing Service code 12 | — | $3.2M |
| QUANTUM EIN 20-8423895 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Other services Service code 15 | — | $1.7M |
| AMERIBEN EIN 82-0497661 NONE | Contract Administrator; Claims processing Service code 12 | — | $1.5M |
| GALILEA MEDICAL GROUP, PA EIN 83-2074689 NONE | Other services Service code 49 | — | $628K |
| CAREMARK PHARMACY INC. EIN 05-0340626 NONE | Contract Administrator; Claims processing Service code 12 | — | $430K |
| MERCER EIN 13-2834414 NONE | Consulting (general) Service code 16 | — | $340K |
| MEADEN & MOORE EIN 34-1818258 NONE | Accounting (including auditing) Service code 10 | — | $36K |
| BATTELLE MEMORIAL INSTITUTE EIN 31-4379427 PLAN SPONSOR | Plan Administrator Service code 14 | — | $33K |
| CANCERLINK LLC NONE | Consulting (general) Service code 16 | 3700 FISHINGER BOULEVARD HILLIARD, OH 43026 | $17K |
| NORTHERN TRUST CORPORATION EIN 36-2723087 NONE | Custodial (securities) Service code 19 | — | $300 |
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 | 7,283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | WELLPOINT STOP LOSS | 34,329 | $465K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,329 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.