| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HEALTH CARE SERVICE CORPORATION | — | $2K | $2K | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST, STE 1710 BOSTON, MA 02109 | DEARBORN LIFE INSURANCE COMPANY | — | $364K | $364K | 10.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST, STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | — | $39K | $39K | 1.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SYMETRA LIFE INSURANCE COMPANY | $73K | $19K | $92K | 6.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.10% |
| 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 | Claims processing; Direct payment from the plan Service code 12 | — | $5.6M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE KNOWN | Direct payment from the plan; Claims processing Service code 12 | — | $671K |
| HUMANA INC. EIN 27-1649291 NONE KNOWN | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $210K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE KNOWN | Float revenue; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $86K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $37K |
| DEARBORN NATIONAL LIFE INSURANCE CO EIN 36-2598882 NONE KNOWN | Claims processing; Direct payment from the plan Service code 12 | — | $35K |
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 | 10,997 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 375 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,668 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,040 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 2,316 | $12.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,613 | $2.1M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12,096 | $2.9M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 11,091 | $3.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 10,882 | $2.1M |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 2,316 | $10.9M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 8,827 | $1.5M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 11,091 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,096 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.