| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $195K | $179K | $375K | 3.44% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DESMOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $322K | $322K | 2.96% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DESMOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $66K | $66K | 2.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $352K | $26K | $378K | 24.82% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DESMOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $59K | $59K | 3.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $455K | $26K | $481K | 32.24% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DESMOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $54K | $54K | 3.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $390K | $25K | $415K | 28.08% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD. STE 101 WEST DESMOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $58K | $58K | 3.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $17K | $36K | 3.74% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DSMOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $29K | $29K | 3.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Claims processing; Contract Administrator Service code 12 | — | $6.3M |
| DELTA DENTAL INSURANCE CO. EIN 94-2761537 NONE | Direct payment from the plan; Plan Administrator; Claims processing Service code 12 | — | $751K |
| CVS PHARMACY, INC EIN 05-0340626 NONE | Contract Administrator; Claims processing Service code 12 | — | $559K |
| CARELON BEHAVIORAL HEALTH, INC EIN 54-1414194 NONE | Claims processing; Contract Administrator Service code 12 | — | $452K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Claims processing; Contract Administrator Service code 12 | — | $5K |
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 | 14,801 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 14,898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,796 | $5.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,566 | $1.6M |
| Vision | VISION SERVICE PLAN | 12,014 | $2.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 28,181 | $10.9M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 14,791 | $3.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 28,181 | $10.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,181 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.