| 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 | $303K | — | $303K | 0.49% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $104K | $137K | $242K | 0.44% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $125K | $172K | 0.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | AETNA LIFE INSURANCE COMPANY | $52K | — | $52K | 0.46% |
| 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 | $49K | — | $49K | 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 | $30K | — | $30K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $30K | $44K | 1.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | HYATT LEGAL PLANS | $83K | $24K | $107K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WATSON WYATT & COMPANY | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | HYATT LEGAL PLANS | — | $3K | $3K | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | PO BOX 851300 SHOREVIEW, MN 55126 | HYATT LEGAL PLANS | — | $60 | $60 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $9K | — | $9K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $7K | $11K | 1.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | EMBLEM HEALTH | $2K | — | $2K | 0.55% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $652 | $4K | $5K | 1.33% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 2.72% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | $618 | — | $618 | 0.48% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $517 | $517 | 1.12% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $100 | $100 | 1.16% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $78 | $28 | $106 | 2.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 ADMIN SERVICES | Float revenue; Claims processing; Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $27.5M |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $7.0M |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 ADMIN SERVICES | Claims processing; Direct payment from the plan; Plan Administrator Service code 12 | — | $1.7M |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 ADMIN SERVICES | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.5M |
| BEACON HEALTH OPTIONS LLC CONSULTANT | Direct payment from the plan; Other fees Service code 50 | 240 CORPORATE BLVD NORFOLK, VA 23502 | $1.5M |
| CASTLIGHT HEALTH, INC EIN 26-1989091 CONSULTANT | Direct payment from the plan; Other services Service code 49 | — | $1.0M |
| MAXIM HEALTH SYSTEMS LLC EIN 52-1590951 MEDICAL SERVICES | Other services; Direct payment from the plan Service code 49 | — | $568K |
| ERNST & YOUNG CONSULTANT | Other fees; Direct payment from the plan Service code 50 | 5 TIMES SQUARE NEW YORK, NY 10036 | $473K |
| MERCER EIN 13-2834414 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $415K |
| BLUE COMMUNICATIONS EIN 95-4681929 COMM SERVICE | Direct payment from the plan; Participant communication Service code 38 | — | $350K |
| KES MAIL INC EIN 74-3075854 COMM SERVICE | Direct payment from the plan; Other services Service code 49 | — | $261K |
| TRUVEN HEALTH ANALYTICS INC EIN 06-1467923 DATA WAREHOUSING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 15 | — | $213K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $139K |
| OSI CONSULTING INC EIN 95-4844560 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $121K |
| HARTER SECREST EMERY LLP EIN 16-0766172 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $117K |
| WILLIS TOWERS WATSON DELAWARE INC. EIN 53-0181291 ACTUARY | Direct payment from the plan; Consulting (pension); Actuarial; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 11 | — | $88K |
| IBM EIN 13-0871985 CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $81K |
| JMBL PERSONNEL INC EIN 61-1648386 HEALTH FAIR COORD | Other services; Direct payment from the plan Service code 49 | — | $56K |
| ALMADEN EIN 77-0584791 HEALTH FAIR VENDOR | Direct payment from the plan; Other fees Service code 50 | — | $50K |
| EPLUS TECHNOLOGY INC EIN 54-1904151 IT HARDWARE | Direct payment from the plan; Other services Service code 49 | — | $41K |
| CHIPTON-ROSS EIN 39-1341435 CONTRACT LABOR | Contract Administrator; Employee (plan); Copying and duplicating; Participant communication; Legal; Direct payment from the plan; Plan Administrator Service code 13 | — | $39K |
| CONSUMER WELLNESS SOLUTIONS, INC. EIN 20-0231080 CONSULTANT | Direct payment from the plan; Other services Service code 49 | — | $25K |
| BOON ADMINISTRATIVE SERVICES, INC CONTRACT SERVICE PROVIDER | Other services; Direct payment from the plan Service code 49 | 6300 BRIDGEPOINT PARKWAY BUILDING 3 AUSTIN, TX 78730 | $24K |
| 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 | — | $23K |
| MOBILE HEALTH CONSUMER INC EIN 45-5109459 DATA WAREHOUSING | Recordkeeping fees; Custodial (other than securities); Direct payment from the plan Service code 18 | — | $19K |
| DELL MARKETING LP COMPUTER SERVICE | Other services; Direct payment from the plan Service code 49 | ONE DELL WAY ROUND ROCK, TX 78682 | $14K |
| HOMES LOWRY HORN & JOHNSON LTD EIN 54-0975470 FORM 5500 PREP | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
| BENEFIT OUTSOURCING SOLUTIONS INC EIN 38-3370067 BENEFIT ELIG ADMIN | Direct payment from the plan; Contract Administrator 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 | 66,268 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 66,268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,877 | $11.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,877 | $12.7M |
| Vision(2 contracts) | VISION SERVICE PLAN | 34,999 | $12.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 128,493 | $54.3M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $55K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19,527 | $26.2M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF HAWAII | 21 | $134K |
| Other(7 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 67,796 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128,493 | — |
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.