| 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 | $371K | — | $371K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $365K | $365K | 0.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLC US LLC | P.O. BOX 28852 NEW YORK, NY 100878852 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $0 | $213K | $213K | 0.77% |
| 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 | $47K | — | $47K | 0.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: WILLIAM M. MERCER, INC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | KAISER FOUNDATION HEALTH PLAN INC | $87 | — | $87 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | — | $45K | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $28K | — | $28K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $103K | $50K | $153K | 5.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $9K | $0 | $9K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $395 | — | $395 | 0.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 ADMIN SERVICES | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Direct payment from the plan; Other services Service code 12 | — | $37.3M |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $8.4M |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 ADMIN SERVICES | Claims processing; Plan Administrator; Direct payment from the plan 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 | $1.9M |
| ZURICH AMERICAN LIFE INSURANCE CO EIN 36-3050975 ADMIN SERVICES | Direct payment from the plan Service code 50 | — | $1.7M |
| ERNST & YOUNG CONSULTANT | Direct payment from the plan; Other fees Service code 50 | 5 TIMES SQUARE NEW YORK, NY 10036 | $466K |
| IBM CORPORATION EIN 13-0871985 CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $383K |
| KES MAIL INC EIN 74-3075854 COMM SERVICE | Other services; Direct payment from the plan Service code 49 | — | $364K |
| MERCER INC. EIN 13-2834414 CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | — | $303K |
| SCRIPTCLAIM SYSTEMS LLC ADMIN SERVICES | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan; Other services; Contract Administrator Service code 12 | 139 E 10TH ST WAHOO, NE 68066 | $191K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $183K |
| BLUE CONCEPTUAL MARKETING INC. EIN 95-4681929 COMM SERVICE | Direct payment from the plan; Participant communication Service code 38 | — | $123K |
| WILLIS TOWERS WATSON DELAWARE INC. EIN 53-0181291 ACTUARY | Direct payment from the plan; Participant communication; Actuarial; Consulting (pension); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 11 | — | $64K |
| CHIPTON-ROSS INC. EIN 39-1341435 CONTRACT LABOR | Plan Administrator; Copying and duplicating; Legal; Direct payment from the plan; Contract Administrator; Employee (plan); Participant communication Service code 13 | — | $59K |
| HARTER SECREST AND EMERY LLP EIN 16-0766172 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $53K |
| OSI DIGITAL INC EIN 95-4844560 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $36K |
| JMBL PERSONNEL INC. EIN 61-1648386 HEALTH FAIR COORDINATOR | Other services; Direct payment from the plan Service code 49 | — | $22K |
| EPLUS TECHNOLOGY INC EIN 54-1904151 IT HARDWARE | Other services; Direct payment from the plan Service code 49 | — | $20K |
| 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 | — | $11K |
| BENEFIT OUTSOURCING SOLUTIONS INC EIN 38-3370067 BENEFIT ELIG ADMIN | Direct payment from the plan; Contract Administrator Service code 13 | — | $9K |
| 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 | 91,222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 91,222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 967 | $9.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 967 | $9.1M |
| Vision(2 contracts) | VISION SERVICE PLAN | 38,679 | $15.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 152,043 | $61.4M |
| Short-term disability(2 contracts) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 88,127 | $27.7M |
| Long-term disability(2 contracts) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 88,127 | $27.7M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF HAWAII | 25 | $140K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 152,043 | $64.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152,043 | — |
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.