| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 12421 MEREDITH DR., STE MHB URBANDALE, IA 503989001 | RELIASTAR LIFE INSURANCE COMPANY | $686K | — | $686K | 3.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IA 60674 | RELIASTAR LIFE INSURANCE COMPANY | $478K | — | $478K | 2.51% |
| CUENCA & ASSO. INS. AGENCY, INC.3 | 2990 INNSBRUCK DR. REDDING, CA 960039303 | RELIASTAR LIFE INSURANCE COMPANY | — | $34K | $34K | 0.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Claims processing; Contract Administrator Service code 12 | — | $605K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Contract Administrator; Claims processing Service code 12 | — | $166K |
| BLACKROCK, INC. EIN 32-0174431 NONE | Contract Administrator Service code 13 | — | $10K |
| FOLEY & LARDNER LLP EIN 39-0473800 NONE | Contract Administrator Service code 13 | — | $8K |
| AON HEWITT EIN 36-2235791 NONE | Contract Administrator Service code 13 | — | $6K |
| US BANK EIN 41-6271370 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $5K |
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 | 4,075 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 0 | $3.5M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 0 | $19.0M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 0 | $19.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.