| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $1K | $328 | $771 | +292.8% |
| Broker comp per covered life | $9 | $1 | $14 | +1224.6% |
| Broker comp % of premium | 0.7% | 0.7% | 2.3% | 0.0 pp |
| Retention rate | 0.0% | 0.0% | 1.7% | |
| Premium YoY % | 3.5% | -2.5% | -19.5% | +6.0 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 | $332K | — | $332K | 0.49% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | -$427 | $369K | $369K | 0.57% |
| WILLIS TOWERS WATSON3 | P.O. BOX 28852 NEW YORK, NY 100878852 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $0 | $380K | $380K | 1.59% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | AETNA LIFE INSURANCE COMPANY | $59K | — | $59K | 0.48% |
| MERCER HEALTH & BENEFITS LLC3 | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC | $48K | — | $48K | 0.51% |
| WILLIAM M. MERCER, INC.3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | KAISER FOUNDATION HEALTH PLAN INC | $44 | — | $44 | 0.00% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $29K | — | $29K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $94K | $33K | $127K | 4.74% |
| WELLS FARGO INS SERVICES USA INC3 | P.O. BOX 25277 TAMPA, FL 33622 | METLIFE LEGAL PLANS | — | $41 | $41 | 0.00% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $9K | $0 | $9K | 0.50% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | EMBLEM HEALTH | $1K | — | $1K | 0.43% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.51% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $20 | $20 | 0.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 ADMIN SERVICES | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Other services; Contract Administrator; Claims processing Service code 12 | — | $35.0M |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $8.5M |
| ZURICH AMERICAN LIFE INSURANCE CO EIN 36-3050975 ADMIN SERVICES | Direct payment from the plan Service code 50 | — | $2.4M |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 ADMIN SERVICES | Claims processing; Direct payment from the plan; Plan Administrator Service code 12 | — | $2.1M |
| BEACON HEALTH OPTIONS LLC CONSULTANT | Direct payment from the plan; Other fees Service code 50 | 240 CORPORATE BLVD NORFOLK, VA 23502 | $1.7M |
| MERCER INC. EIN 13-2834414 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $1.2M |
| CASTLIGHT HEALTH, INC EIN 26-1989091 CONSULTANT | Direct payment from the plan; Other services Service code 49 | — | $1.1M |
| MAXIM HEALTH SYSTEMS LLC EIN 52-1590951 MEDICAL SERVICES | Direct payment from the plan; Other services Service code 49 | — | $564K |
| ERNST & YOUNG CONSULTANT | Direct payment from the plan; Other fees Service code 50 | 5 TIMES SQUARE NEW YORK, NY 10036 | $510K |
| KES MAIL INC EIN 74-3075854 COMM SERVICE | Direct payment from the plan; Other services Service code 49 | — | $362K |
| IBM EIN 13-0871985 CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $318K |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 ADMIN SERVICES | Direct payment from the plan; Contract Administrator Service code 13 | — | $262K |
| BLUE CONCEPTUAL MARKETING INC. EIN 95-4681929 COMM SERVICE | Participant communication; Direct payment from the plan Service code 38 | — | $204K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $150K |
| OSI CONSULTING INC EIN 95-4844560 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $127K |
| HARTER SECREST EMERY LLP EIN 16-0766172 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $127K |
| JMBL PERSONNEL INC EIN 61-1648386 HEALTH FAIR COORD | Direct payment from the plan; Other services Service code 49 | — | $122K |
| 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 | — | $86K |
| EPLUS TECHNOLOGY INC EIN 54-1904151 IT HARDWARE | Direct payment from the plan; Other services Service code 49 | — | $62K |
| CHIPTON-ROSS EIN 39-1341435 CONTRACT LABOR | Copying and duplicating; Legal; Direct payment from the plan; Contract Administrator; Employee (plan); Plan Administrator; Participant communication Service code 13 | — | $54K |
| ALMADEN EIN 77-0584791 HEALTH FAIR VENDOR | Direct payment from the plan; Other fees Service code 50 | — | $51K |
| MOBILE HEALTH CONSUMER INC EIN 45-5109459 DATA WAREHOUSING | Direct payment from the plan; Custodial (other than securities); Recordkeeping fees Service code 18 | — | $41K |
| OPEN TEXT INC EIN 36-3811517 COMPUTER SERVICE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $35K |
| CDW DIRECT LLC COMPUTER SERVICE | Direct payment from the plan; Other services Service code 49 | 75 TRI-STATE INTERNATIONAL LINCOLNSHIRE, IL 60069 | $31K |
| CONSUMER WELLNESS SOLUTIONS, INC. EIN 20-0231080 CONSULTANT | Other services; Direct payment from the plan Service code 49 | — | $25K |
| JTK GROUP LLC EIN 22-3905089 CONSULTANT | Consulting (general) Service code 16 | — | $17K |
| CVS HEALTH MEDICAL SERVICES | Other services; Direct payment from the plan Service code 49 | ONE CVS DRIVE WOONSOCKET, RI 02895 | $11K |
| BENEFIT OUTSOURCING SOLUTIONS INC EIN 38-3370067 BENEFIT ELIG ADMIN | Contract Administrator; Direct payment from the plan Service code 13 | — | $8K |
| HOMES LOWRY HORN & JOHNSON LTD EIN 54-0975470 FORM 5500 PREP | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $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 | 85,399 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 85,399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,644 | $12.6M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,644 | $14.1M |
| Vision(2 contracts) | VISION SERVICE PLAN | 39,908 | $14.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 159,460 | $64.6M |
| Short-term disability(2 contracts) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 83,431 | $24.0M |
| Long-term disability(2 contracts) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 83,431 | $24.0M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF HAWAII | 18 | $125K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 159,460 | $67.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159,460 | — |
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.