| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET STE 1710 BOSTON, MA 02109 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $97K | $97K | 2.84% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | HARTFORD LIFE AND ACCIDENT | — | $74K | $74K | 3.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | — | $44K | $44K | 1.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SYMETRA LIFE INSURANCE COMPANY | $49K | $13K | $62K | 6.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.01% |
| HEALTH CARE SERVICES CORPORATION3 | 300 E. RANDOLPH CHICAGO, IL 60601 | FOUR EVER LIFE INS CO | — | $2K | $2K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE KNOWN | Direct payment from the plan; Claims processing Service code 12 | — | $4.0M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE KNOWN | Direct payment from the plan; Claims processing Service code 12 | — | $399K |
| HUMANA INC. EIN 27-1649291 NONE KNOWN | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $199K |
| DEARBORN NATIONAL LIFE INSURANCE CO EIN 36-2598882 NONE KNOWN | Claims processing; Direct payment from the plan Service code 12 | — | $195K |
| EMPOWER HEALTH SERVICES, LLC EIN 36-4836722 NONE KNOWN | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $64K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE KNOWN | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $63K |
| PRICEWATERSHOUSECOOPER EIN 13-4008324 NONE KNOWN | Actuarial; Direct payment from the plan Service code 11 | — | $35K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
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 | 10,951 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,094 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,049 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 2,751 | $14.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,813 | $2.0M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11,826 | $2.8M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 11,066 | $3.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 14,401 | $2.2M |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 2,751 | $12.6M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 8,766 | $988K |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 11,066 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,401 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.