| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $167K | $167K | 6.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 NONE | Float revenue; Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $5.2M |
| ANTHEM HEALTH PLANS OF VIRGINIA, IN EIN 54-0357120 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Float revenue; Other fees Service code 12 | — | $1.5M |
| THE STAYWELL COMPANY, LLC EIN 94-3151780 NONE | Other fees; Contract Administrator Service code 13 | — | $1.2M |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Participant communication; Named fiduciary; Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services Service code 12 | — | $432K |
| KEYSTONE HEALTH PLAN CENTRAL EIN 23-2399845 NONE | Contract Administrator Service code 13 | — | $400K |
| HYATT LEGAL PLANS INC EIN 34-1650967 NONE | Contract Administrator Service code 13 | — | $344K |
| INTEGRATED BEHAVIORAL HEALTH EIN 33-0851349 NONE | Claims processing Service code 12 | — | $242K |
| EXPRESS SCRIPTS, INC. EIN 43-1430563 NONE | Contract Administrator Service code 13 | — | $127K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator Service code 13 | — | $104K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 NONE | Claims processing Service code 12 | — | $95K |
| WAGEWORKS INC EIN 94-3351864 NONE | Contract Administrator Service code 13 | — | $58K |
| LEHIGH VALLEY BUSINESS EIN 23-2155696 NONE | Other services Service code 49 | — | $8K |
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 | 9,082 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,082 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,283 | $3.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,520 | $2.4M |
| Other | ACE AMERICAN INSURANCE COMPANY | 9,107 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,107 | — |
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.