| 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 | — | $49K | $49K | 0.77% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33 | $33 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $25K | $25K | 0.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION | PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS, INC | $62K | $0 | $62K | 10.09% |
| 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 | $10K | $10K | 1.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS, INC | $0 | $2K | $2K | 0.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS, INC | $0 | $2K | $2K | 0.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | 121 RIVER STREET FL 5 HOBOKEN, NJ 07030 | METLIFE LEGAL PLANS, INC | $0 | $654 | $654 | 0.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 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 | 0.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 N/A | Claims processing; Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $8.0M |
| EXPRESS SCRIPTS EIN 43-1420563 N/A | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 12 | — | $3.0M |
| WEBMD HEALTH CORP/WEBMD GLOBAL LLC EIN 20-2783228 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.7M |
| KEPRO ACQUISITIONS EIN 25-1796254 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $391K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 N/A | Other services; Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator Service code 12 | — | $357K |
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 N/A | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $168K |
| LIFE INSURANCE CO. OF NORTH AMERICA EIN 23-1503749 N/A | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing Service code 12 | — | $105K |
| PAYFLEX SYSTEMS USA EIN 91-1774434 N/A | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $45K |
| PROGYNY, INC EIN 27-2220139 N/A | Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $40K |
| JPMORGAN CHASE BANK N.A. EIN 13-4994650 N/A | Float revenue; Trustee (directed); Other investment fees and expenses; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $12K |
| JPMORGAN CHASE BANK, N.A. | Other investment fees and expenses Service code 72 | — | $4K |
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 | 12,317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,804 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,158 | $341K |
| Vision | VISION SERVICE PLAN | 9,189 | $1.9M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 12,354 | $10.4M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 13,094 | $802K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,088 | $5.8M |
| Other(2 contracts, 2 carriers) | METLIFE LEGAL PLANS, INC | 2,840 | $954K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,094 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.