| 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 | — | $215K | $215K | 1.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 0.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $661 | $661 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MINNE EIN 41-0984460 NONE | Claims processing; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Legal; Direct payment from the plan; Contract Administrator Service code 12 | — | $9.5M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Other services Service code 12 | — | $6.2M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $2.0M |
| GRAND ROUNDS, INC EIN 45-3580052 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $1.3M |
| SAVEONSP, LLC EIN 47-3603390 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $1.3M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $673K |
| EVIVE HEALTH, LLC. EIN 20-8578851 NONE | Participant communication; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $435K |
| VIRGIN PULSE, INC EIN 20-2547480 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Direct payment from the plan Service code 15 | — | $235K |
| ARTEMIS HEALTH, INC EIN 46-4071925 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 15 | — | $226K |
| EQUIFAX EIN 64-0958101 NONE | Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $156K |
| TECHINTURE, INC EIN 20-0820356 NONE | Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $121K |
| BENEFITS CONCEPTS, INC EIN 05-0388095 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $99K |
| GENESIS CORP EIN 13-4041496 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $95K |
| OPTUMHEALTH CARE SOLUTIONS, LLC EIN 41-1591944 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 15 | — | $87K |
| WAGEWORKS, INC EIN 94-3351864 NONE | Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $54K |
| SHELLY L. WARNKE & ASSOC, LLC EIN 46-2038770 NONE | Direct payment from the plan; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $42K |
| MDX MEDICAL INC, DBA SAPPHIRE DIG EIN 26-3441881 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $28K |
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 | 28,008 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,716 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 30,724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 51,700 | $16.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 51,700 | $16.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 51,700 | — |
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.