| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $649 | $496 | $612 | +30.7% |
| Broker comp per covered life | $0 | $20 | $32 | -99.5% |
| Broker comp % of premium | 0.0% | 4.6% | 5.5% | -4.6 pp |
| Retention rate | 1.4% | 0.0% | 1.8% | |
| Premium YoY % | 1.4% | -8.9% | -12.5% | +10.3 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $146K | $146K | 0.11% |
| MERCER HEALTH AND BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FOUR EVER LIFE INSURANCE CO. | $9K | — | $9K | 1.02% |
| MERCER HEALTH & BENEFITS LLC3 | 800 MARKET SUITE 1800 ST. LOUIS, MO 63101 | ZURICH AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS AND BLUE SHIELD EIN 71-0226428 NONE | Claims processing Service code 12 | — | $221.9M |
| AETNA EIN 06-6033492 NONE | Claims processing Service code 12 | — | $34.0M |
| SEDGWICK EIN 36-2685608 NONE | Claims processing Service code 12 | — | $32.8M |
| UMR EIN 39-1995276 NONE | Claims processing Service code 12 | — | $26.9M |
| OPTUMRX EIN 33-0441200 NONE | Claims processing Service code 12 | — | $25.4M |
| DELTA DENTAL OF AR EIN 71-0561140 NONE | Claims processing Service code 12 | — | $10.6M |
| HEALTH DESIGN PLUS EIN 34-1593929 NONE | Claims processing Service code 12 | — | $8.3M |
| INTELLIVO EIN 62-1804474 NONE | Accounting (including auditing) Service code 10 | — | $3.0M |
| MCS LIFE INSURANCE CO EIN 66-0520918 NONE | Claims processing Service code 12 | — | $2.9M |
| HEALTHCARE HORIZONS EIN 62-1542434 NONE | Consulting (general) Service code 16 | — | $2.8M |
| CONEXIS BENEFIT ADMINISTRATORS EIN 20-0198855 NONE | Claims processing Service code 12 | — | $1.9M |
| VCG CONSULTANTS EIN 27-3547382 NONE | Contract Administrator Service code 13 | — | $1.9M |
| VERISK HEALTH EIN 04-3308685 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.0M |
| MC-21 LLC EIN 94-3276520 NONE | Claims processing Service code 12 | — | $296K |
| DENTAL PR EIN 68-0652604 NONE | Claims processing Service code 12 | — | $105K |
| JPMORGAN BANK EIN 13-4994650 NONE | Claims processing Service code 12 | — | $48K |
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 | 1,650,312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,586 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,653,898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 12 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA | 1,650,312 | $562.2M |
| Vision | VISION SERVICE PLAN | 635,293 | $67.6M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,064,619 | $230.7M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 634,752 | $135.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 634,752 | $135.8M |
| Prescription drug(8 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA | 20,521 | $365.4M |
| Stop-loss / reinsurancereinsurance | MCS LIFE INSURANCE COMPANY | 6,524 | $1.2M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,650,312 | $305.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,650,312 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.