| 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 | $178K | $165K | $343K | 3.77% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DESMOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $293K | $293K | 3.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $457K | $12K | $469K | 54.46% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DESMOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $28K | $28K | 3.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $449K | $12K | $460K | 54.58% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DESMOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $28K | $28K | 3.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $437K | $11K | $448K | 54.52% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD. STE 101 WEST DESMOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $27K | $27K | 3.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET, 7TH FLOOR NEW YORK, NY 102811003 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $52K | $0 | $52K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Claims processing; Contract Administrator Service code 12 | — | $6.6M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Contract Administrator Service code 12 | — | $1.6M |
| BEACON HEALTH OPTIONS, INC EIN 54-1414194 NONE | Claims processing; Insurance services; Direct payment from the plan Service code 12 | — | $385K |
| CVS PHARMACY, INC EIN 05-0340626 NONE | Contract Administrator; Claims processing Service code 12 | — | $222K |
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 | 15,115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 107 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,960 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,627 | $184K |
| Vision | VISION SERVICE PLAN | 11,402 | $2.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 28,150 | $9.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 19,621 | $3.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 28,150 | $9.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,150 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.