| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $779K | — | $779K | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV LLC | 321 N. CLARK STREET 940 CHICAGO, IL 60654 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $400K | $400K | 0.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | FOUR EMBARCADERO CENTER SUITE 400 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $7K | $7K | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS AND BLUE SHIELD EIN 71-0226428 NONE | Claims processing Service code 12 | — | $175.6M |
| AETNA EIN 06-6033492 NONE | Claims processing Service code 12 | — | $30.2M |
| SEDGWICK EIN 36-2685608 NONE | Claims processing Service code 12 | — | $29.0M |
| UNITED HEALTHCARE EIN 41-1289245 NONE | Claims processing Service code 12 | — | $25.8M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $14.0M |
| DELTA DENTAL OF AR EIN 71-0561140 NONE | Claims processing Service code 12 | — | $9.5M |
| HEALTH DESIGN PLUS EIN 34-1593929 NONE | Claims processing Service code 12 | — | $6.1M |
| HEALTHSCOPE EIN 71-0847266 NONE | Claims processing Service code 12 | — | $5.1M |
| TRIPLE-S SALUD, INC. EIN 66-0555677 NONE | Claims processing Service code 12 | — | $3.7M |
| BENEFIT RECOVERY, INC. EIN 62-1804474 NONE | Accounting (including auditing) Service code 10 | — | $2.7M |
| CONEXIS BENEFIT ADMINISTRATORS EIN 20-0198855 NONE | Claims processing Service code 12 | — | $2.2M |
| VCG CONSULTANTS EIN 27-3547382 NONE | Contract Administrator Service code 13 | — | $2.1M |
| VERISK HEALTH EIN 04-3308685 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.1M |
| HEALTHCARE HORIZONS EIN 62-1542434 NONE | Consulting (general) Service code 16 | — | $1.0M |
| MERCER HUMAN RESOURCES EIN 13-2834414 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $71K |
| JPMORGAN BANK EIN 13-4994650 NONE | Claims processing Service code 12 | — | $52K |
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 | 1,531,500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,811 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,537,311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(15 contracts, 15 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA | 37,922 | $527.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 70 | $713K |
| Vision | VISION SERVICE PLAN | 607,602 | $68.6M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 906,276 | $191.9M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 372,995 | $88.5M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 372,995 | $88.5M |
| Prescription drug(8 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA | 37,922 | $354.0M |
| Stop-loss / reinsurancereinsurance | MCS LIFE INSURANCE COMPANY | 7,486 | $1.3M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 906,276 | $263.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 906,276 | — |
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.