| 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 | $276K | — | $276K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $404K | $492K | $896K | 1.81% |
| 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 | — | $35 | $35 | 0.00% |
| 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 | $25 | — | $25 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $102K | $79K | $181K | 0.72% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E, STE 1500 CLEVELAND, OH 44114 | AETNA LIFE INSURANCE COMPANY | $40K | — | $40K | 0.41% |
| 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 | $43K | — | $43K | 0.48% |
| 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 | $33K | — | $33K | 0.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $80K | $11K | $90K | 2.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $12K | — | $12K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | HYATT LEGAL PLANS | $83K | — | $83K | 4.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 741909 ATLANTA, GA 30374 | HYATT LEGAL PLANS | — | $30K | $30K | 1.63% |
| 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% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $3K | $22K | 2.26% |
| 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 | $5K | $7K | 1.78% |
| 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 | $5K | $7K | 1.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 3.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | — | $380 | $380 | 1.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $290 | $290 | 1.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $59 | $59 | 1.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39 | $33 | $72 | 3.67% |
| 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 | — | $25.8M |
| HEWITT ASSOCIATES LLC EIN 36-2235791 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Direct payment from the plan Service code 15 | — | $6.3M |
| HEALTH SOLUTIONS INC EIN 20-2810325 SUB-CONTRACTOR | Direct payment from the plan; Other services Service code 49 | — | $1.6M |
| VALUE OPTIONS OF CA EIN 95-4297571 ADMIN SERVICES | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.6M |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 ADMIN SERVICES | Plan Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $1.5M |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 ADMIN SERVICES | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.4M |
| WAGEWORKS INC EIN 94-3351864 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan Service code 12 | — | $946K |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $664K |
| BEST DOCTORS INC EIN 58-2317785 ADMIN SERVICES | Contract Administrator; Direct payment from the plan Service code 13 | — | $644K |
| BLUE COMMUNICATIONS EIN 95-4681929 COMM SERVICE | Participant communication; Direct payment from the plan Service code 38 | — | $503K |
| MERCER EIN 13-2834414 CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | — | $436K |
| KES MAIL INC EIN 74-3075854 COMM SERVICE | Direct payment from the plan; Other services Service code 49 | — | $412K |
| MAXIM HEALTH SYSTEMS LLC EIN 52-1590951 MEDICAL SERVICES | Other services; Direct payment from the plan Service code 49 | — | $377K |
| HARTER SECREST EMERY LLP EIN 16-0766172 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $325K |
| 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 | — | $247K |
| EPLUS TECHNOLOGY INC EIN 54-1904151 IT HARDWARE | Other services; Direct payment from the plan Service code 49 | — | $161K |
| HERRONPALMER LLC CONSULTANT | Other services; Direct payment from the plan Service code 49 | 10230 HUMBOLDT AVE SOUTH BLOOMINGTON, MN 55431 | $160K |
| LIVEHEALTH ONLINE ADMIN SERVICES | Direct payment from the plan; Other fees Service code 50 | 6000 LOMBARDO CENTER SUITE 200 SEVEN HILLS, OH 44131 | $152K |
| OSI CONSULTING INC EIN 95-4844560 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $136K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $106K |
| WILLIS TOWERS WATSON DELAWARE INC. EIN 53-0181291 ACTUARY | Direct payment from the plan; Consulting (pension); Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Actuarial Service code 11 | — | $59K |
| CHIPTON-ROSS EIN 39-1341435 CONTRACT LABOR | Plan Administrator; Participant communication; Contract Administrator; Employee (plan); Legal; Direct payment from the plan; Copying and duplicating Service code 13 | — | $59K |
| HOMES, LOWRY, HORN & JOHNSON, LTD EIN 54-0975470 FORM 5500 PREP | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $45K |
| ERNST & YOUNG CONSULTANT | Other fees; Direct payment from the plan Service code 50 | 5 TIMES SQUARE NEW YORK, NY 10036 | $27K |
| OPEN TEXT EIN 36-3811517 COMPUTER SERVICE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $21K |
| STATE STREET BANK & TRUST CO. EIN 04-1867445 TRUSTEE | Other fees; Direct payment from the plan; Investment management; Trustee (directed) Service code 25 | — | $18K |
| COMPLETE DOCUMENT MGMT SOLUTIONS EIN 30-0162043 CONSULTANT | Other fees; Direct payment from the plan Service code 50 | — | $13K |
| CARAHSOFT TECHNOLOGY CORP TECH SERVICE | Other fees; Direct payment from the plan Service code 50 | 1860 MICHAEL FARADAY DRIVE RESON, VA 20190 | $9K |
| BENEFIT OUTSOURCING SOLUTIONS INC EIN 38-3370067 BENEFIT ELIG ADMIN | Contract Administrator; Direct payment from the plan 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 | $8K |
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 | 63,382 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 63,382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,948 | $9.9M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,948 | $10.2M |
| Vision | VISION SERVICE PLAN | 15,786 | $7.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 131,039 | $49.6M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 77 | $25K |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 64,933 | $26.1M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF HAWAII | 30 | $153K |
| Other(7 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 64,309 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131,039 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.