| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $2K | $949 | $996 | +81.2% |
| Broker comp per covered life | $28 | $28 | $32 | 0.0% |
| Broker comp % of premium | 1.6% | 1.8% | 3.4% | -0.2 pp |
| Retention rate | 0.0% | 0.0% | 0.0% | |
| Premium YoY % | -19.0% | -2.5% | -13.4% | -16.5 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH & BENEFITS LLC3 | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $485K | $0 | $485K | 0.50% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $371K | $92 | $371K | 0.55% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $59 | $59 | 0.00% |
| PACIFIC RESOURCES BENEFITS ADVISORS3 | 75 STATE ST. STE 1710 BOSTON, MA 02109 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $233K | $233K | 0.73% |
| MERCER HEALTH & BENEFITS LLC3 | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $66K | $0 | $66K | 0.54% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | — | $40K | 0.50% |
| MERCER H&B ADMINISTRATION3 | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $1.1M | $96K | $1.2M | 21.47% |
| MERCER H&B ADMINISTRATION3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS | $372K | $59K | $431K | 11.64% |
| MERCER H&B ADMINISTRATION LLC3 | 121 RIVER STREET FL 5 HOBOKEN, NJ 07030 | METLIFE LEGAL PLANS | — | $4K | $4K | 0.11% |
| MERCER H&B ADMINISTRATION3 | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $720K | $63K | $783K | 21.48% |
| MERCER H&B ADMINISTRATION LLC3 | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $511K | $45K | $555K | 21.50% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $9K | $0 | $9K | 0.50% |
| PACIFIC RESOURCES BENEFITS ADVISORS3 | 75 STATE ST. STE 1710 CHICAGO, IL 60674 | AMERICAN FAMILY LIFE ASSURANCE CO OF NY | — | $541 | $541 | 0.37% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN, INC. | $264 | $0 | $264 | 0.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 ADMIN SERVICES | Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Direct payment from the plan Service code 12 | — | $35.4M |
| QUANTUM HEALTH INC EIN 33-0934298 ADMIN SERVICES | Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services; Float revenue Service code 12 | — | $16.7M |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $5.1M |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 ADMIN SERVICES | Direct payment from the plan; Claims processing; Plan Administrator Service code 12 | — | $2.6M |
| AMERICAN FAMILY LIFE ASSURANCE CO EIN 58-1167100 ADMIN SERVICES | Direct payment from the plan; Claims processing Service code 12 | — | $2.4M |
| VIDA HEALTH INC EIN 90-0914836 ADMIN SERVICES | Claims processing; Direct payment from the plan Service code 12 | — | $2.2M |
| COMPSYCH CORPORATION EIN 36-3739783 ADMIN SERVICES | Claims processing; Direct payment from the plan Service code 12 | — | $1.5M |
| RX SAVINGS SOLUTIONS EIN 26-3642434 OTHER SERVICES | Other services; Direct payment from the plan Service code 49 | — | $1.3M |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 RECORDKEEPER | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 15 | — | $1.0M |
| ERNST & YOUNG EIN 66-0526565 CONSULTANT | Other fees; Direct payment from the plan Service code 50 | — | $588K |
| QUEST DIAGNOSTICS HEALTH AND WELLNE EIN 20-1908041 SCREENINGS & VACCINATIONS | Direct payment from the plan; Other services Service code 49 | — | $541K |
| MERATIVE US LP EIN 88-1430661 CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $526K |
| FUTURE TECH ENTERPRISE INC EIN 11-3350196 OTHER SERVICES | Other services Service code 49 | — | $218K |
| HARTER SECREST AND EMERY LLP EIN 16-0766172 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $188K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $157K |
| KES MAIL INC EIN 74-3075854 COMM SERVICE | Direct payment from the plan; Other services Service code 49 | — | $105K |
| CHIPTON-ROSS INC. EIN 39-1341435 CONTRACT LABOR | Other services; Direct payment from the plan; Consulting (general) Service code 16 | — | $63K |
| HEALTH FAIRS DIRECT EIN 61-1648386 HEALTH FAIR COORDINATOR | Other services; Direct payment from the plan Service code 49 | — | $53K |
| NAT'L COUNCIL FOR MENTAL WELLBEING EIN 23-7092671 WELLNESS SERVICES | Other services; Direct payment from the plan Service code 49 | — | $44K |
| EPLUS TECHNOLOGY INC EIN 54-1904151 IT HARDWARE | Direct payment from the plan; Other services Service code 49 | — | $30K |
| OPEN TEXT INC EIN 36-3811517 COMPUTER SERVICE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $18K |
| CITRIN COOPERMAN ADVISORS LLC EIN 87-2525370 FORM 5500 PREP | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $14K |
| BENEFIT OUTSOURCING SOLUTIONS INC EIN 38-3370067 BENEFIT ELIG ADMIN | Contract Administrator; Direct payment from the plan Service code 13 | — | $8K |
| ALMADEN PRESS EIN 77-0584791 COMM SERVICE | Other services; Direct payment from the plan Service code 49 | — | $6K |
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 | 93,428 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 93,428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 36,605 | $137.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 595 | $7.9M |
| Vision(2 contracts) | VISION SERVICE PLAN | 36,961 | $16.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 149,806 | $67.1M |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 89,981 | $32.1M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 11 | $121K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 149,806 | $71.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149,806 | — |
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.