| 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 | $19K | $290K | $308K | 0.23% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | HEALTH CARE SERVICE CORPORATION | — | $24K | $24K | 0.02% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | DEARBORN LIFE INSURANCE COMPANY | — | $98K | $98K | 2.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | DEARBORN LIFE INSURANCE COMPANY | — | $21K | $21K | 0.45% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS, LL | 1 BEACON ST STE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | — | $40K | $40K | 2.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SYMETRA LIFE INSURANCE COMPANY | $70K | $16K | $87K | 5.83% |
| 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 | 1.49% |
| HEALTH CARE SERVICES CORPORATION3 | 300 E. RANDOLPH CHICAGO, IL 60601 | FOUR EVER LIFE INS CO | — | $594 | $594 | 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 | — | $5.8M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE KNOWN | Claims processing; Direct payment from the plan Service code 12 | — | $2.2M |
| CURALINC EIN 33-1206383 NONE KNOWN | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $244K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE KNOWN | Direct payment from the plan; Float revenue; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $30K |
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 | 12,557 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 868 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 99 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 16,908 | $136.8M |
| Dental(3 contracts, 3 carriers) | HEALTH CARE SERVICE CORPORATION | 16,908 | $137.1M |
| Vision(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 11,661 | $6.2M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 11,661 | $4.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 15,902 | $1.7M |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 16,908 | $135.2M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 9,033 | $1.5M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 11,661 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,908 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.