| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | P O BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $162K | $162K | 0.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70K | $70K | 0.41% |
| WILLIS TOWERS WATSON US LLC3 | P O BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | P O BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MINN EIN 41-0984460 NONE | Other fees; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Legal; Direct payment from the plan Service code 12 | — | $11.9M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Claims processing; Direct payment from the plan; Other services; Contract Administrator Service code 12 | — | $5.9M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $2.5M |
| GRAND ROUNDS, INC. EIN 45-3580052 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $2.2M |
| SAVEONSP, LLC EIN 47-3603390 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $1.5M |
| VIRGIN PULSE, INC EIN 20-2547480 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Consulting (general); Direct payment from the plan Service code 15 | — | $642K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $616K |
| ARTEMIS HEALTH, INC EIN 46-4071925 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Participant communication Service code 15 | — | $228K |
| BIND BENEFITS, INC. EIN 81-4560965 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $202K |
| GENESIS CORP EIN 13-4041496 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 15 | — | $193K |
| EQUIFAX WORKFORCE SOLUTIONS EIN 43-0988805 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Participant communication Service code 15 | — | $165K |
| WAGEWORKS, INC EIN 94-3351864 NONE | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 13 | — | $147K |
| HEALTH STRATEGY, LLC EIN 20-4944393 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 15 | — | $99K |
| EVIVE HEALTH, LLC. EIN 20-8578851 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Participant communication Service code 15 | — | $94K |
| WORKDAY, INC. EIN 20-2480422 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Other services Service code 15 | — | $40K |
| 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 | — | $26K |
| MDX MEDICAL INC, DBA SAPPHIRE DIGIT EIN 26-3441881 NONE | Other services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $24K |
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 | 27,843 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,516 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 30,359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 50,993 | $17.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 50,993 | $17.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50,993 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.