| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER | 3031 NORTH ROCKY POINTE DRIVE SUITE 700 TAMPA, FL 33607 | UMUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA ASO - HRA/HSA/POS/POS PLUS EIN 06-6033492 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $2.1M |
| BCBS NEW MEXICO EIN 36-1236610 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $414K |
| WOOD & ASSOCIATES EIN 59-2257140 EAP/EAP PLUS | Employee (plan) Service code 30 | — | $338K |
| EXPRESS SCRIPTS EIN 22-3461740 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $230K |
| AETNA VISION FL EIN 06-6033492 VISION COVERAGE | Employee (plan) Service code 30 | — | $212K |
| VSP VISION NM EIN 36-3560825 VISION | Employee (plan) Service code 30 | — | $137K |
| AETNA PPO/EPP DENTAL EIN 06-6033492 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $105K |
| PLAYFLEX - HSA ADMIN/FSA/COBRA EIN 91-1774434 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $99K |
| DELTA DENTAL PPO/EPP EIN 85-0224562 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $42K |
| DISCOVERY BENEFITS - COBRA/FSA EIN 90-0058554 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $16K |
| CORPORATE HEALTH SERVICES EIN 45-2430864 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $15K |
| TELADOC NM EIN 20-1020949 TELADOC SERVICES | Employee (plan) Service code 30 | — | $8K |
| HSA BANK EIN 06-0273620 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $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 | 3,891 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 447 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | UMUM LIFE INSURANCE COMPANY | 3,800 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,800 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.