| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | RELIASTAR LIFE INSURANCE COMPANY | $1.7M | — | $1.7M | 61.96% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 554860463 | RELIASTAR LIFE INSURANCE COMPANY | — | $160K | $160K | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $120K | — | $120K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BSWIFT LLC NONE | Direct payment from the plan; Contract Administrator Service code 13 | 500 W. MONROE SUITE 3800 CHICAGO, IL 60661 | $100K |
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Direct payment from the plan; Insurance services; Other services; Claims processing Service code 12 | — | $53K |
| UNITED HEALTH CARE INS SRVCS INC EIN 41-1289245 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $23K |
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 NONE | Non-monetary compensation; Claims processing; Named fiduciary; Participant communication; Other services; Direct payment from the plan; Contract Administrator; Float revenue Service code 12 | — | $10K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20,260 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,067 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 25 | $80K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,268 | $5.7M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 19,369 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,369 | — |
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.