| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $275K | $48K | $323K | 15.13% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $73K | $73K | 3.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $12.1M |
| CIGNA EIN 59-1031071 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $7.1M |
| VIRGIN PULSE EIN 20-2547480 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $6.4M |
| AETNA LIFE INSURANCE COMPANY EIN 53-0076794 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $3.9M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $3.7M |
| CVS CAREMARK EIN 05-0340626 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $3.6M |
| KAISER PERMANENTE INSURANCE COMPANY EIN 94-3203402 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $3.0M |
| BIND BENEFITS, INC. EIN 81-4560965 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $2.7M |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $2.7M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $2.2M |
| CYLINDER HEALTH, INC. EIN 30-1287040 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $1.5M |
| PAYFLEX EIN 91-1774434 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $1.1M |
| INCLUDED HEALTH EIN 85-1879292 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $619K |
| MERCER EIN 13-2844414 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $565K |
| WINFERTILITY EIN 13-4135949 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $534K |
| SAN FRANCISCO CITY OPTION NONE | Direct payment from the plan; Other services Service code 49 | PO BOX 194367 SAN FRANCISCO, CA 94119 | $459K |
| ACCOLADE 2ND MD LLC EIN 27-3670307 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $458K |
| BUSINESSOLVER EIN 42-1503807 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $315K |
| LYRA HEALTH, INC EIN 47-2935915 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $196K |
| THE NORTHERN TRUST EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $145K |
| SAPPHIRE DIGITAL EIN 26-3441881 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $145K |
| CMO ON DEMAND EIN 84-3826109 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $80K |
| MILK STORK EIN 47-1496978 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $55K |
| MSK DIRECT- S-K CANCER CENTER EIN 13-1924236 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $49K |
| NEWTOPIA NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $22K |
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 | 67,409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,703 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 74,112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9,001 | $9.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,494 | $7.0M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 65,607 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 65,607 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.