| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $174K | $174K | 1.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16K | $16K | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $49 | $49 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MINNE EIN 41-0984460 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other fees; Legal; Direct payment from the plan Service code 12 | — | $8.9M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Direct payment from the plan; Other services; Claims processing; Contract Administrator Service code 12 | — | $5.6M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $1.5M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $777K |
| GENESIS CORP EIN 13-4041496 NONE | Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $185K |
| TALX CORPORATION EIN 64-0958101 NONE | Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $148K |
| BENEFIT CONCEPTS, INC. EIN 05-0388095 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $125K |
| OPTUMHEALTH CARE SOLUTIONS, LLC EIN 41-1591944 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $118K |
| TECHINTURE, INC EIN 20-0820356 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 15 | — | $115K |
| EVIVE HEALTH LLC EIN 20-8578851 NONE | Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 15 | — | $25K |
| MERCER (US) INC. EIN 13-2834414 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $15K |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $11K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Insurance services; Consulting (general); Direct payment from the plan; Claims processing Service code 12 | — | $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 | 28,382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,023 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 31,405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 53,584 | $16.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 53,584 | $16.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 53,584 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.