| 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 | $306K | — | $306K | 0.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $399K | $382K | $781K | 1.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $172K | $171K | $343K | 1.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | AETNA LIFE INSURANCE COMPANY | $48K | — | $48K | 0.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS INC | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | AETNA LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| 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 | $48K | — | $48K | 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 | $33K | — | $33K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89K | $33K | $122K | 2.73% |
| 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 | $76K | $21K | $97K | 4.69% |
| 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 | — | $85 | $85 | 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 | $22K | $8K | $30K | 2.72% |
| 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 | $6K | $8K | 1.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | EMBLEM HEALTH | $2K | — | $2K | 0.68% |
| 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 | $2K | $8K | 2.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $957 | $957 | 1.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | PO BOX 28852 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | $985 | — | $985 | 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 | — | $148 | $148 | 1.25% |
| 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 | $32 | $110 | 2.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 ADMIN SERVICES | Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Float revenue Service code 12 | — | $27.4M |
| WAGEWORKS INC EIN 94-3351864 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing Service code 12 | — | $9.4M |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $7.5M |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 ADMIN SERVICES | Claims processing; Plan Administrator; Direct payment from the plan Service code 12 | — | $1.6M |
| BEACON HEALTH OPTIONS LLC CONSULTANT | Other fees; Direct payment from the plan Service code 50 | 240 CORPORATE BLVD NORFOLK, VA 23502 | $1.6M |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 ADMIN SERVICES | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.5M |
| ERNST & YOUNG CONSULTANT | Direct payment from the plan; Other fees Service code 50 | 5 TIMES SQUARE NEW YORK, NY 10036 | $518K |
| MERCER EIN 13-2834414 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $459K |
| OSI CONSULTING INC EIN 95-4844560 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $304K |
| MAXIM HEALTH SYSTEMS LLC EIN 52-1590951 MEDICAL SERVICES | Other services; Direct payment from the plan Service code 49 | — | $299K |
| BLUE COMMUNICATIONS EIN 95-4681929 COMM SERVICE | Participant communication; Direct payment from the plan Service code 38 | — | $285K |
| HARTER SECREST EMERY LLP EIN 16-0766172 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $264K |
| TRUVEN HEALTH ANALYTICS INC EIN 06-1467923 DATA WAREHOUSING | Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $247K |
| KES MAIL INC EIN 74-3075854 COMM SERVICE | Direct payment from the plan; Other services Service code 49 | — | $215K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $150K |
| WILLIS TOWERS WATSON DELAWARE INC. EIN 53-0181291 ACTUARY | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (pension); Direct payment from the plan; Actuarial; Participant communication Service code 11 | — | $91K |
| CDW DIRECT LLC COMPUTER SERVICE | Other services; Direct payment from the plan Service code 49 | 75 TRI-STATE INTERNATIONAL LINCOLNSHIRE, IL 60069 | $79K |
| HOMES, LOWRY, HORN & JOHNSON, LTD EIN 54-0975470 FORM 5500 PREP | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $79K |
| FUTURE TECH ENTERPRISE INC EIN 11-3350196 SERVICE PROVIDER | Other fees; Direct payment from the plan Service code 50 | — | $53K |
| CHIPTON-ROSS EIN 39-1341435 CONTRACT LABOR | Legal; Direct payment from the plan; Copying and duplicating; Participant communication; Contract Administrator; Employee (plan); Plan Administrator Service code 13 | — | $46K |
| HEWITT ASSOCIATES LLC EIN 36-2235791 RECORDKEEPER | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 15 | — | $46K |
| ALMADEN EIN 77-0584791 HEALTH FAIR VENDOR | Other fees; Direct payment from the plan Service code 50 | — | $45K |
| 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 | — | $28K |
| ANACOMP INC EIN 35-1144230 COMPUTER SERVICES | Other services; Direct payment from the plan Service code 49 | — | $25K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 TRUSTEE | Other fees; Trustee (directed); Investment management; Direct payment from the plan Service code 25 | — | $14K |
| JTK GROUP LLC EIN 22-3905089 CONSULTANT | Other services; Direct payment from the plan Service code 49 | — | $12K |
| BENEFIT OUTSOURCING SOLUTIONS INC EIN 38-3370067 BENEFIT ELIG ADMIN | Contract Administrator; Direct payment from the plan Service code 13 | — | $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 | 66,380 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 66,380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,784 | $10.2M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,784 | $11.4M |
| Vision | VISION SERVICE PLAN | 35,630 | $7.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 124,856 | $53.1M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 88 | $89K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52,224 | $28.1M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF HAWAII | 13 | $142K |
| Other(7 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 68,043 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124,856 | — |
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 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.