| 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 55485 | ARAG INSURANCE COMPANY | $111K | — | $111K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 13 | — | $3.4M |
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Insurance services; Other services; Direct payment from the plan; Claims processing Service code 12 | — | $539K |
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 NONE | Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan; Float revenue; Participant communication Service code 12 | — | $232K |
| LUMINARE HEALTH BENEFITS, INC EIN 35-1846036 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $95K |
| UNITED HEALTH CARE INS SRVCS INC EIN 41-1289245 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $60K |
| VSP EIN 20-0891619 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $36K |
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 | 7,536 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 751 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 118 | $412K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,708 | $8.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,972 | $9.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,972 | — |
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."
No prospect flags tripped on this filing.