| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC | $270K | — | $270K | 0.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC. | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $334K | $334K | 0.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $113K | $188K | $301K | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC. | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | METROPOLITAN LIFE INSURANCE COMPANY | $246K | $27 | $246K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | $125K | $175K | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC. | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60K | — | $60K | 0.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC | $42K | — | $42K | 0.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $37K | — | $37K | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40K | — | $40K | 1.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 0.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $11K | — | $11K | 0.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | HYATT LEGAL PLANS | $58K | — | $58K | 3.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC. | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | HYATT LEGAL PLANS | $13K | — | $13K | 0.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 741909 ALTANTA, GA 30374 | HYATT LEGAL PLANS | — | $12K | $12K | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 64 MONROE AVE NW SUITE 300 GRAND RAPIDS, MI 49503 | HYATT LEGAL PLANS | — | $9K | $9K | 0.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO OF CA INS SVCS | 11017 COBBLEROCK DRIVE #100 RANCHO CORDOVA, CA 95670 | HYATT LEGAL PLANS | — | $6K | $6K | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | HYATT LEGAL PLANS | $27 | — | $27 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 1.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 0.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 2.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC. | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $7K | $9K | 1.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $4K | $5K | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 1.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 5.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC. | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $997 | $4K | $5K | 1.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $833 | $2K | $3K | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC. | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | FIRST UNUM LIFE INSURANCE COMPANY | — | $569 | $569 | 1.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | — | $283 | $283 | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC. | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $321 | $321 | 0.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $202 | $202 | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC. | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $98 | $98 | 1.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $37 | $37 | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 94597 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $81 | — | $81 | 1.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $78 | — | $78 | 0.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 ADMIN SERVICES | Float revenue; Direct payment from the plan; Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $23.9M |
| HEWITT ASSOCIATES LLC EIN 36-2235791 RECORDKEEPER | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $6.9M |
| HEALTH SOLUTIONS INC EIN 20-2810325 SUB-CONTRACTOR | Direct payment from the plan; Other services Service code 49 | — | $3.3M |
| NORTHROP GRUMMAN CORPORATION EIN 80-0640649 EMPLOYER | Direct payment from the plan; Plan Administrator Service code 14 | — | $2.5M |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 ADMIN SERVICES | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.5M |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 ADMIN SERVICES | Direct payment from the plan; Plan Administrator; Claims processing Service code 12 | — | $1.5M |
| VALUE OPTIONS OF CA EIN 95-4297571 ADMIN SERVICES | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.5M |
| BEST DOCTORS INC EIN 58-2317785 ADMIN SERVICES | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.0M |
| CONEXIS EIN 20-0198855 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing Service code 12 | — | $797K |
| VIRGIN PULSE INC EIN 20-2547480 H&W PLATFORM | Account maintenance fees; Direct payment from the plan Service code 50 | — | $657K |
| BLUE COMMUNICATIONS EIN 95-4681929 COMM SERVICE | Participant communication; Direct payment from the plan Service code 38 | — | $507K |
| MERCER EIN 13-2834414 CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | — | $465K |
| KES MAIL INC EIN 74-3075854 COMM SERVICE | Direct payment from the plan; Other services Service code 49 | — | $362K |
| TRUVEN HEALTH ANALYTICS INC EIN 06-1467923 DATA WAREHOUSING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Consulting (general) Service code 15 | — | $270K |
| HARTER SECREST EMERY LLP EIN 16-0766172 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $261K |
| HERRONPALMER LLC CONSULTANT | Direct payment from the plan; Other services Service code 49 | 10230 HUMBOLDT AVE SOUTH BLOOMINGTON, MN 55431 | $260K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $153K |
| SEYFARTH SHAW LLP EIN 36-2152202 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $106K |
| OSI CONSULTING INC EIN 95-4844560 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $75K |
| TOWERS WATSON DELAWARE INC EIN 53-0181291 ACTUARY | Actuarial; Direct payment from the plan; Consulting (pension); Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 11 | — | $49K |
| KST DATA EIN 33-0146872 COMPUTER SERVICE | Other services; Direct payment from the plan Service code 49 | — | $23K |
| CHIPTON-ROSS EIN 39-1341435 CONTRACT LABOR | Other services; Contract Administrator; Direct payment from the plan Service code 13 | — | $20K |
| OPEN TEXT EIN 36-3811517 COMPUTER SERVICE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $19K |
| STATE STREET BANK & TRUST CO. EIN 04-1867445 TRUSTEE | Other fees; Investment management; Trustee (directed); Direct payment from the plan Service code 25 | — | $18K |
| PARSONS BEHLE AND LATIMER LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | 201 MAIN STREET STE 1800 SALT LAKE CITY, UT 84111 | $16K |
| COVINGTON & BURLING LLP EIN 53-0188411 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $14K |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Other services; Direct payment from the plan Service code 49 | — | $11K |
| EMC CORPORATION EIN 04-2680009 COMPUTER SERVICE | Direct payment from the plan; Other services Service code 49 | — | $9K |
| BENEFIT OUTSOURCING SOLUTIONS INC EIN 38-3370067 BENEFIT ELIG ADMIN | Direct payment from the plan; Contract Administrator Service code 13 | — | $8K |
| JTK GROUP LLC CONSULTANT | Other services; Direct payment from the plan Service code 49 | 1067 COUNTY ROAD 222 CULLMAN, AL 35057 | $7K |
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 | 60,250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 60,250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,478 | $6.2M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,478 | $6.5M |
| Vision | VISION SERVICE PLAN | 39,770 | $8.7M |
| Life insurance(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 124,323 | $53.9M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $44K |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 53,284 | $24.5M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF HAWAII | 29 | $170K |
| Other(6 contracts, 4 carriers) | HYATT LEGAL PLANS | 59,274 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124,323 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.