| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | ARAG INSURANCE COMPANY | $77K | — | $77K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $3.9M |
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Other services; Direct payment from the plan; Insurance services; Claims processing Service code 12 | — | $962K |
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 NONE | Claims processing; Direct payment from the plan; Named fiduciary; Float revenue; Participant communication; Other services; Non-monetary compensation; Contract Administrator Service code 12 | — | $284K |
| UNITED HEALTH CARE INS SRVCS INC EIN 41-1289245 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $78K |
| VSP EIN 20-0891619 NONE | Direct payment from the plan; Claims processing; Other services Service code 12 | — | $43K |
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 | 9,509 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 669 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 55 | $244K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 9,624 | $8.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,624 | $9.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,624 | — |
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 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.