| 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 | — | $51K | $51K | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25K | $25K | 0.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 1388 HOUSTON, TX 772511388 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37K | $37K | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 0.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 1388 HOUSTON, TX 772511388 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS, INC | $38K | $0 | $38K | 7.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 1388 HOUSTON, TX 77251 | METLIFE LEGAL PLANS, INC | $7K | $0 | $7K | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC, TRION GROUP, A MARS | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METLIFE LEGAL PLANS, INC | $0 | $985 | $985 | 0.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1100 REYNOLDS BLVD. WINSTON-SALEM, NC 27105 | METLIFE LEGAL PLANS, INC | $0 | $95 | $95 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, TX 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38 | $38 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 1388 HOUSTON, TX 772511388 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38 | $38 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, TX 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38 | $38 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 1388 HOUSTON, TX 77251 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38 | $38 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 N/A | Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $6.0M |
| EXPRESS SCRIPTS EIN 43-1420563 N/A | Direct payment from the plan; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.6M |
| STAYWELL HEALTH MANAGEMENT EIN 13-2890345 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $2.4M |
| KEPRO ACQUISITIONS EIN 25-1796254 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $651K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 N/A | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Claims processing; Named fiduciary; Float revenue Service code 12 | — | $337K |
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $170K |
| LIFE INSURANCE CO. OF NORTH AMERICA EIN 23-1503749 N/A | Claims processing; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $112K |
| PAYFLEX SYSTEMS USA EIN 91-1774434 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $51K |
| PROGYNY, INC EIN 27-2220139 N/A | Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $37K |
| JPMORGAN CHASE BANK N.A. EIN 13-4994650 N/A | Float revenue; Trustee (bank, trust company, or similar financial institution); Other investment fees and expenses; Trustee (directed); Direct payment from the plan Service code 21 | — | $9K |
| JPMORGAN CHASE BANK, N.A. | Other investment fees and expenses Service code 72 | — | $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 | 9,453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,715 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 855 | $262K |
| Vision | VISION SERVICE PLAN | 7,856 | $1.8M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 10,081 | $9.7M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,558 | $732K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 9,526 | $4.5M |
| Other(2 contracts, 2 carriers) | METLIFE LEGAL PLANS, INC | 2,468 | $808K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,081 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.