| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS, LLC | 3560 LENOX ROAC SUITE 2400 ATLANTA, GA 30326 | TOKIO MARINE HCC A&H GROUP HCC LIFE INSURANCE CO | $192K | — | $192K | 7.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4564 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | METROPOLITAN LIFE INSURANCE CO | $97K | $218 | $97K | 5.01% |
| NONE | — | KAISER FOUNDATION HEALTH PLAN - SOUTHERN CALIFORNIA | — | — | $0 | 0.00% |
| NONE | — | KAISER FOUNDATION HEALTH PLAN -WRDC | — | — | $0 | 0.00% |
| NONE | — | KAISER FOUNDATION HEALTH PLAN - NORTHERN CALIFORNIA | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED HEALTHCARE INSURANCE CO | $51K | — | $51K | 10.00% |
| NONE | — | UNITED HEALTHCARE INSURANCE CO | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 730182 DALLAS, TX 75373 | EYE MED VISION CARE FIDELITY SECURITY LIFE INS CO | $13K | — | $13K | 5.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE CO | $7K | — | $7K | 10.00% |
| NONE | — | KAISER FOUNDATION HEALTH PLAN - HAWAII | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE CO | $2K | — | $2K | 15.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 730182 DALLAS, TX 75373 | EYEMED VISION CARE - COBRA FIDELITY SECURITY LIFE INS CO | $147 | — | $147 | 4.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 NONE - CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $1.4M |
| BIND BENEFITS, INC. D/B/A SUREST EIN 81-4560965 NONE - CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $982K |
| EXPRESS SCRIPTS NONE - CONTRACT ADMINISTR | Other services; Contract Administrator Service code 13 | — | $137K |
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 | 12,875 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 12,875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO | 2,973 | $521K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO | 4,897 | $1.9M |
| Vision(2 contracts, 2 carriers) | EYE MED VISION CARE FIDELITY SECURITY LIFE INS CO | 4,135 | $270K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC A&H GROUP HCC LIFE INSURANCE CO | 2,436 | $2.7M |
| Other(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO | 12,875 | $850K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,875 | — |
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.