| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST, STE 1710 BOSTON, MA 02109 | HEALTH CARE SERVICE CORPORATION | — | $5K | $5K | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HEALTH CARE SERVICE CORPORATION | — | $771 | $771 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST, STE 1710 BOSTON, MA 02109 | DEARBORN LIFE INSURANCE COMPANY | — | $95K | $95K | 3.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST, STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | — | $40K | $40K | 2.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SYMETRA LIFE INSURANCE COMPANY | $72K | $21K | $93K | 6.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.00% |
| HEALTH CARE SERVICES CORPORATION3 | 300 E. RANDOLPH CHICAGO, IL 60601 | FOUR EVER LIFE INS CO | — | $303 | $303 | 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 | — | $5.2M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE KNOWN | Direct payment from the plan; Claims processing Service code 12 | — | $2.0M |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $49K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE KNOWN | Trustee (bank, trust company, or similar financial institution); Float revenue; Direct payment from the plan Service code 21 | — | $39K |
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 | 10,709 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 951 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 108 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 1,898 | $11.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,348 | $2.2M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11,643 | $3.2M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 10,497 | $2.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 14,455 | $1.7M |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 1,898 | $9.8M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 8,105 | $1.4M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 10,497 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,455 | — |
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.