| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 800 MARKET STREET SUITE 1800 ST. LOUIS, MO 63101 | ACE AMERICAN INSURANCE COMPANY | $7K | — | $7K | 20.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE KNOWN | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $10.1M |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE KNOWN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $524K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE KNOWN | Float revenue; Trustee (directed); Other services; Custodial (securities); Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $216K |
| ELI LILLY AND COMPANY EIN 35-0470950 PLAN SPONSOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $79K |
| ERNST & YOUNG LLP EIN 34-6565596 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $78K |
| PLANTE & MORAN PLLC EIN 33-1498605 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $35K |
| AON CONSULTING, INC. EIN 22-2232264 NONE KNOWN | Direct payment from the plan; Actuarial Service code 11 | — | $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 | 23,080 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 265 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $2.7M |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 41,370 | $3.4M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 25,846 | $9.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,528 | $4.3M |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $3.0M |
| Other(3 contracts, 3 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 41,370 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,370 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.