| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $4K | $731 | $2K | +430.8% |
| Broker comp per covered life | $24 | $13 | $33 | +80.6% |
| Broker comp % of premium | 0.6% | 2.3% | 4.6% | -1.6 pp |
| Retention rate | 0.6% | 0.0% | 0.6% | |
| Premium YoY % | -2.8% | -0.8% | -8.8% | -2.0 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH INS & INVESTMENT CORP3 | 4 CHASE METROTECH CTR FL 7E PO BOX 26945 BROOKLYN, NY 112450003 | METROPOLITAN LIFE INSURANCE COMPANY | $284K | $200K | $484K | 1.69% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 OATSOGERE CIR CHIGAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | — | $183K | $183K | 0.66% |
| MERCER HEALTH & BENEFITS ADM. LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $463K | — | $463K | 2.15% |
| ALIGHT HOLDING COMPANY LLC3 | DBA ALIGHT SOLUTIONS LLC 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | RELIASTAR LIFE INSURANCE COMPANY | — | $178K | $178K | 0.83% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 OATSOGERE CIR CHIGAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | — | $142K | $142K | 0.68% |
| MARSH USA, INC.3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $458K | — | $458K | 2.43% |
| JOHN MULLEN & COMPANY6 | PO BOX 2096 HONOLULU, HI 96805 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 0.07% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 OATSOGERE CIR CHIGAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | — | $126K | $126K | 0.74% |
| MERCER H&B ADMINISTRATION, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN GENERAL INSURANCE COMPANY | $189K | — | $189K | 9.97% |
| MERCER H&B ADMINISTRATION, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $30K | $30K | 1.56% |
| MERCER HEALTH & BENEFITS ADMINISTRA3 | 121 RIVER STREET FL 5 HOBOKEN, NJ 07030 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $2K | $2K | 0.10% |
| MERCER HEALTH & BENEFITS ADMINISTRA3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $198 | $198 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | — | $3K | $3K | 0.51% |
| MERCER HEALTH & BENEFITS3 | THE GUARDIAN LIFE INS. CO. OF AMER. 7 HANOVER SQUARE NEW YORK, NY 100042616 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 11.06% |
| SHAUGHNESSY J O3 | 707 SKOKIE BLVD. BLD#250 NORTHBROOK, IL 60062 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 4.83% |
| BRIAN G. ELLERMAN3 | 532 EARLSTON ROAD KENILWORTH, IL 60043 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.48% |
| THE HUNKEN AGENCY, INC.3 | THE GUARDIAN LIFE INS. CO. OF AMER. 7 HANOVER SQUARE NEW YORK, NY 100042616 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 2.01% |
| H E INSURANCE INC.3 | THE GUARDIAN LIFE INS. CO. OF AMER. 7 HANOVER SQUARE NEW YORK, NY 100042616 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | — | $691 | $691 | 0.29% |
| H E INSURANCE INC3 | THE GUARDIAN LIFE INS. CO. OF AMER. 7 HANOVER SQUARE NEW YORK, NY 100042616 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | — | $528 | $528 | 0.22% |
| MERCER HEALTH & BENEFITS ADMIN LLC3 | 1166 AVE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10036 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $291 | — | $291 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS EIN 82-1061233 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $28.1M |
| ACCOLADE EIN 01-0969591 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $13.3M |
| CIGNA EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $58K |
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 | 98,473 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30,301 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 424 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129,198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | MEDICAL MUTUAL | 2,048 | $28.2M |
| Dental(4 contracts, 3 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 26,088 | $16.6M |
| Vision(3 contracts, 3 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 63,980 | $23.9M |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 97,707 | $94.3M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,848 | $663K |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 57,600 | $19.5M |
| Prescription drug(2 contracts, 2 carriers) | MEDICAL MUTUAL | 545 | $15.3M |
| Other(10 contracts, 8 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 98,473 | $33.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98,473 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.