| 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 | — | $48K | $48K | 1.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 NONE | Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Other commissions; Contract Administrator; Insurance agents and brokers; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $13.9M |
| TAKE CARE HEALTH SYSTEMS INC EIN 23-3057155 NONE | Other services Service code 49 | — | $4.6M |
| CAREHERE LLC EIN 54-2138297 NONE | Other services Service code 49 | — | $1.3M |
| THE STAYWELL COMPANY, LLC EIN 94-3151780 NONE | Other fees; Contract Administrator Service code 13 | — | $1.3M |
| EMPLOYEE PHARMACY LLC EIN 82-2572721 NONE | Contract Administrator Service code 13 | — | $903K |
| KEYSTONE HEALTH PLAN CENTRAL EIN 23-2399845 NONE | Contract Administrator Service code 13 | — | $382K |
| EXPRESS SCRIPTS, INC. EIN 43-1430563 NONE | Contract Administrator Service code 13 | — | $345K |
| HYATT LEGAL PLANS INC EIN 34-1650967 NONE | Contract Administrator Service code 13 | — | $163K |
| INTEGRATED BEHAVIORAL HEALTH EIN 33-0851349 NONE | Claims processing Service code 12 | — | $139K |
| WAGEWORKS INC EIN 94-3351864 NONE | Contract Administrator Service code 13 | — | $114K |
| WEST HEALTH ADVOCATE SOLUTIONS INC EIN 23-3080019 NONE | Consulting (general) Service code 16 | — | $70K |
| ANTHEM INSURANCE COMPANIES INC EIN 35-0781558 NONE | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $48K |
| A-S MEDICATION SOLUTIONS LLC EIN 26-4104833 NONE | 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 | 11,277 | 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) | 11,277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 28,811 | $8.3M |
| Vision | VISION SERVICE PLAN | 6,245 | $1.1M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 11,534 | $5.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6,085 | $3.0M |
| Other | ACE AMERICAN INSURANCE COMPANY | 14,730 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,811 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.