| 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 | 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 | $22K | $12K | $34K | 6.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $639 | $359 | $998 | 6.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS BLUE SHIELD EIN 39-0138065 CLAIMS ADMINISTRATION | Claims processing; Insurance brokerage commissions and fees; Insurance agents and brokers; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other commissions; Other services Service code 12 | — | $596K |
| ALIGHT SOLUTIONS EIN 22-2232264 BENEFITS MANAGER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 13 | — | $298K |
| WILLIS TOWERS WATSON VIA BENEFITS EIN 26-0775680 CLAIMS ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | — | $83K |
| PARAMETIC DEFENSIVE EQUITY FUND EIN 42-2531297 INVESTMENT MANAGER | Investment management Service code 28 | — | $78K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 ACTUARIAL | Actuarial Service code 11 | — | $61K |
| NEPC EIN 26-1429809 CONSULTANT | Consulting (general) Service code 16 | — | $30K |
| DELTA DENTAL EIN 39-6094742 CLAIMS ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | — | $29K |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 CLAIMS ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $25K |
| CONNECTYOURCARE, LLC (CYC) EIN 26-1274092 CLAIMS ADMINISTRATION | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $22K |
| COLEMAN & WILLIAMS, LTD. EIN 39-1658905 AUDIT | Accounting (including auditing) Service code 10 | 7127 N. GREEN BAY AVE. MILWAUKEE, WI 53209 | $22K |
| WELLS FARGO BANK, NA EIN 94-1347393 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $14K |
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 | 3,423 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,038 | $565K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,103 | $563K |
| Prescription drug | NAVITUS HEALTH SOLUTIONS | 8,098 | $216K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF WISCONSIN | 3,304 | $1.0M |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.