| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $71K | $40K | $111K | 6.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE CO OF BOSTON | $25K | $11K | $36K | 4.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE CO OF BOSTON | — | $4K | $4K | 0.53% |
| WELLS FARGO INSURANCE SERVICES3 | P.O. BOX 203066, DALLAS, TX 75320 | LINCOLN LIFE ASSURANCE CO OF BOSTON | — | $638 | $638 | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $13K | $8K | $21K | 6.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 6.25% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS | 701 MARKET STREET, SUITE 1100 ST LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $52 | $1K | 15.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS BLUE SHIELD EIN 39-0138065 CLAIMS ADMINISTRATION | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $1.9M |
| ALIGHT SOLUTIONS EIN 22-2232264 BENEFITS MANAGER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services Service code 13 | — | $302K |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 CLAIMS ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $193K |
| WILLIS TOWERS WATSON INC. EIN 53-0181291 ACTUARIAL | Actuarial Service code 11 | — | $174K |
| ALIGHT SOLUTIONS (YSA) EIN 36-2235791 CLAIMS ADMINISTRATION | Claims processing; Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $148K |
| DELTA DENTAL EIN 39-6094742 CLAIMS ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $128K |
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 | 3,027 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,053 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 4,638 | $2.3M |
| Long-term disability | LINCOLN LIFE ASSURANCE CO OF BOSTON | 4,025 | $829K |
| Prescription drug | NAVITUS HEALTH SOLUTIONS | 9,040 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF WISCONSIN | 3,705 | $280K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,040 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.