| 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 | $176K | $143K | $319K | 3.27% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DESMOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $290K | $290K | 2.97% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DESMOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $53K | $53K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $435K | $21K | $456K | 31.09% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DESMOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $50K | $50K | 3.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $319K | $19K | $337K | 26.08% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD. STE 101 WEST DESMOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $49K | $49K | 3.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $254K | $18K | $272K | 22.02% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DESMOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $47K | $47K | 3.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Contract Administrator; Claims processing Service code 12 | — | $7.7M |
| DELTA DENTAL INSURANCE CO. EIN 94-2761537 NONE | Claims processing; Plan Administrator; Direct payment from the plan Service code 12 | — | $735K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Contract Administrator; Claims processing Service code 12 | — | $455K |
| CARELON BEHAVIORAL HEALTH, INC EIN 54-1414194 NONE | Contract Administrator; Claims processing Service code 12 | — | $394K |
| CVS PHARMACY, INC EIN 05-0340626 NONE | Contract Administrator; Claims processing Service code 12 | — | $166K |
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 | 15,321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 160 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,669 | $5.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,775 | $1.5M |
| Vision | VISION SERVICE PLAN | 12,218 | $2.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 28,487 | $9.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 15,296 | $2.1M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 28,487 | $10.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,487 | — |
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.