| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $63K | $35K | $98K | 6.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $16K | $46K | 4.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $26K | — | $26K | 4.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $13K | $7K | $20K | 6.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 6.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $39 | $39 | 0.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS BLUE SHIELD EIN 39-0138065 CLAIMS ADMINISTRATION | Contract Administrator; Claims processing; Insurance brokerage commissions and fees; Insurance agents and brokers; Other services; Other commissions; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.5M |
| ALIGHT SOLUTIONS EIN 22-2232264 BENEFITS MANAGER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services Service code 13 | — | $286K |
| WILLIS TOWERS WATSON INC. EIN 53-0181291 ACTUARIAL | Actuarial Service code 11 | — | $177K |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 CLAIMS ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $170K |
| DELTA DENTAL EIN 39-6094742 CLAIMS ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $119K |
| CONNECTYOURCARE, LLC (CYC) EIN 26-1274092 CLAIMS ADMINISTRATION | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 12 | — | $90K |
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 | 2,892 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 158 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,038 | $565K |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 4,471 | $2.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,465 | $1.0M |
| Prescription drug | NAVITUS HEALTH SOLUTIONS | 8,098 | $216K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF WISCONSIN | 3,304 | $1.0M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,098 | — |
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.