| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 800 MARKET STREE ST. LOUIS, MO 63101 | TOKIO MARINE HCC - STOP LOSS GROUP | $22K | — | $22K | 6.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER NWZ STOP LOSS COALITION | FOUR EMBARCADERO CENTER SUITE 400 SAN FRANCISCO, CA 94111 | TOKIO MARINE HCC - STOP LOSS GROUP | — | $6K | $6K | 1.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TOKIO MARINE HCC - STOP LOSS GROUP | — | $4K | $4K | 1.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 800 MARKET STREET ST. LOUIS, MO 63101 | TOKIO MARINE HCC - STOP LOSS GROUP | $7K | — | $7K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TOKIO MARINE HCC - STOP LOSS GROUP | — | $3K | $3K | 1.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 PPO NETWORK | Contract Administrator Service code 13 | — | $2.7M |
| ELIXER RX SOLUTIONS, LLC PHARMACY BENE FIT MANAGER | Contract Administrator Service code 13 | — | $261K |
| CONTIGO HEALTH EIN 31-1593929 CENTER OF EXCELLENCE | Contract Administrator Service code 13 | — | $83K |
| MERCER HEALTH & BENEFITS LLC EIN 35-1817054 BROKER | Contract Administrator Service code 13 | — | $30K |
| NATIONAL SOFTWARE INC EIN 46-0638016 SOFTWARE VENDOR | Contract Administrator Service code 13 | — | $15K |
| BKD, LLP EIN 44-0160260 PLAN AUDITORS | Contract Administrator Service code 13 | — | $14K |
| AMERICAN HEALTH HOLDING, INC EIN 31-1368946 CASE MANAGEMENT | Contract Administrator Service code 13 | — | $14K |
| OPTUM,CONSUMERWELLNESSSOLUTIONS,INC EIN 31-1368946 TOBACCO CESSA TION | Contract Administrator Service code 13 | — | $8K |
| AMERICAN WELL CORPORATION EIN 46-0787784 TELEHEALTH SERVICES | Contract Administrator Service code 13 | — | $6K |
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 | 6,140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts) | TOKIO MARINE HCC - STOP LOSS GROUP | 6,303 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,303 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.