| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | 233 S WACKER DRIVE, SUITE 1800 CHICAGO, IA 60606 | HEALTH CARE SERVICE CORPORATION | — | $15K | $15K | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CTR FL 7E PO BOX 26945 BROOKLYN, NY 112450003 | METROPOLITAN LIFE INSURANCE COMPANY | $254K | $200K | $454K | 1.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 OATSOGERE CIR CHIGAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | $0 | $160K | $160K | 0.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 OATSOGERE CIR CHIGAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | $0 | $141K | $141K | 0.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADM. LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $4.7M | — | $4.7M | 26.80% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY LLC | DBA ALIGHT SOLUTIONS LLC 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | RELIASTAR LIFE INSURANCE COMPANY | — | $880K | $880K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | PO BOX 350 CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $375K | — | $375K | 2.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 OATSOGERE CIR CHIGAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | $0 | $151K | $151K | 0.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN GENERAL INSURANCE COMPANY | $143K | — | $143K | 9.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $25K | $25K | 1.74% |
| SHAUGHNESSY J O3 | 707 SKOKIE BLVD. BLD#250 NORTHBROOK, IL 60062 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 2.97% |
| BRIAN G. ELLERMAN3 | 532 EARLSTON ROAD KENILWORTH, IL 60043 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.39% |
| 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 | — | $6K | $6K | 1.24% |
| H E INSURANCE INC3 Filed as: H E INSURANCE INC. | THE GUARDIAN LIFE INS. CO. OF AMER. 7 HANOVER SQUARE NEW YORK, NY 100042616 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.22% |
| PEACHTREE PLANNING OF GEORGIA3 Filed as: H E INSURANCE INC THE GUARDIAN LIFE | 7 HANOVER SQUARE NEW YORK, NY 100042616 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | — | $224 | $224 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $28.9M |
| ACCOLADE EIN 01-0969591 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $15.5M |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $60K |
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 | 95,702 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31,134 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 464 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | HEALTH CARE SERVICE CORPORATION | 4,451 | $59.6M |
| Dental(4 contracts, 3 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 24,908 | $15.1M |
| Vision(3 contracts, 3 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 29,272 | $21.5M |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 94,535 | $79.4M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,853 | $697K |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 55,432 | $18.2M |
| Prescription drug(2 contracts, 2 carriers) | MEDICAL MUTUAL | 544 | $14.1M |
| Other(11 contracts, 8 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 95,702 | $29.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95,702 | — |
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."
No prospect flags tripped on this filing.