| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $176K | $176K | 0.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FOUR EVER LIFE INSURANCE CO. | $24K | — | $24K | 3.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 800 MARKET SUITE 1800 ST. LOUIS, MO 63101 | ZURICH AMERICAN INSURANCE COMPANY | $5K | — | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS AND BLUE SHIELD EIN 71-0226428 NONE | Claims processing Service code 12 | — | $214.9M |
| AETNA EIN 06-6033492 NONE | Claims processing Service code 12 | — | $35.5M |
| SEDGWICK EIN 36-2685608 NONE | Claims processing Service code 12 | — | $32.0M |
| OPTUMRX EIN 33-0441200 NONE | Claims processing Service code 12 | — | $22.1M |
| UMR EIN 39-1995276 NONE | Claims processing Service code 12 | — | $18.2M |
| DELTA DENTAL OF AR EIN 71-0561140 NONE | Claims processing Service code 12 | — | $10.2M |
| HEALTH DESIGN PLUS EIN 34-1593929 NONE | Claims processing Service code 12 | — | $7.7M |
| HEALTHSCOPE EIN 71-0847266 NONE | Claims processing Service code 12 | — | $7.2M |
| BENEFIT RECOVERY, INC. EIN 62-1804474 NONE | Accounting (including auditing) Service code 10 | — | $2.7M |
| MCS LIFE INSURANCE CO EIN 66-0520918 NONE | Claims processing Service code 12 | — | $2.7M |
| HEALTHCARE HORIZONS EIN 62-1542434 NONE | Consulting (general) Service code 16 | — | $2.2M |
| CONEXIS BENEFIT ADMINISTRATORS EIN 20-0198855 NONE | Claims processing Service code 12 | — | $2.0M |
| 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 | — | $322K |
| DENTAL PR EIN 68-0652604 NONE | Claims processing Service code 12 | — | $113K |
| 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 | 1,644,160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,790 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,647,950 | 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 | 1,644,160 | $530.1M |
| Vision | VISION SERVICE PLAN | 615,743 | $68.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,048,934 | $226.7M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,400 | $158.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,400 | $158.8M |
| Prescription drug(8 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA | 33,683 | $345.2M |
| Stop-loss / reinsurancereinsurance | MCS LIFE INSURANCE COMPANY | 6,503 | $1.1M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,644,160 | $298.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,644,160 | — |
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.