| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CTR FL 7E P.O. BOX 26945 BROOKLYN, NY 11245 | METROPOLITAN LIFE INSURANCE COMPANY | $685K | $65K | $750K | 7.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N WACKER DR. STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLANS INC. | $26K | — | $26K | 1.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P.O. BOX 310502 DES MOINES, IA 50331 | GENWORTH LIFE INSURANCE COMPANY | $201K | — | $201K | 13.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P.O. BOX 310502 DES MOINES, IA 50331 | GENWORTH LIFE INSURANCE COMPANY | $32K | — | $32K | 13.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | — | $2K | 1.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $1K | — | $1K | 1.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1717 ARCH ST. 27TH FLOOR PHILADELPHIA, PA 19103 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $590 | — | $590 | 0.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $543 | — | $543 | 1.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $4.2M |
| BLUE CROSS BLUE SHIELD EIN 23-7391136 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $3.6M |
| UNITED HEALTHCARE EIN 06-0807418 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $1.9M |
| EXPRESS SCRIPTS INC EIN 43-1420563 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $1.2M |
| METROPOLITAN LIFE EIN 13-5581829 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $460K |
| THE HARTFORD EIN 06-0974148 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $299K |
| TRION GROUP AFFILIATE OF PLAN SPONSOR | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | $161K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $150K |
| DELOITTE TAX LLP EIN 86-1065772 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $14K |
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 | 19,731 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,227 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 22,958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 413 | $2.8M |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 19,731 | $14.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 523 | $168K |
| Other(3 contracts, 2 carriers) | GENWORTH LIFE INSURANCE COMPANY | 1,364 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,731 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.