| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DESMOINES US, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $201K | $201K | 2.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO US, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $123K | $34 | $123K | 1.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIR CHICAGO US, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $118K | $118K | 1.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO US, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 1.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Contract Administrator; Claims processing Service code 12 | — | $4.2M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | — | $3.2M |
| BEACON HEALTH OPTIONS, INC EIN 54-1414194 NONE | Claims processing; Direct payment from the plan; Insurance services Service code 12 | — | $365K |
| CVS PHARMACY, INC EIN 05-0340626 NONE | Contract Administrator; Claims processing Service code 12 | — | $89K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Contract Administrator; Claims processing Service code 12 | — | $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 | 12,638 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 868 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 13,506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $93K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,429 | $196K |
| Vision | VISION SERVICE PLAN | 10,853 | $2.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 25,978 | $8.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12,773 | $841K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 25,978 | $9.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,978 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.