| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 99 HIGH ST. BOSTON, MA 02110 | SANFORD HEALTH PLAN | $17K | — | $17K | 1.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $6K | $18K | 2.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ANTHEM HEALTH PLANS OF VIRGINIA | $13K | — | $13K | 4.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N. WACKER DRIVE STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 1.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | — | $2K | 1.85% |
| BENEFIT PLAN SOLUTIONS, INC.3 Filed as: BENEFIT PLAN SOLUTIONS | 680 IWILEI RD STE 520 HONOLULU, HI 96817 | HAWAII DENTAL SERVICE | $1K | — | $1K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 27.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 29.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W MONROE ST STE 3400 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $472 | $120 | $592 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $297 | $83 | $380 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 CLAIMS ADMINISTRATION | Other services; Contract Administrator; Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.8M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | — | $180K |
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 | 3,592 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | SANFORD HEALTH PLAN | 190 | $2.3M |
| Dental | HAWAII DENTAL SERVICE | 222 | $55K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA | 6,267 | $321K |
| Life insurance(3 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 5,998 | $1.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,575 | $648K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,575 | $648K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 64 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,267 | — |
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."
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.