| 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 | $362K | — | $362K | 0.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $360K | $360K | 0.56% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 0.02% |
| 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 | $50K | — | $50K | 0.46% |
| 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 | $47K | — | $47K | 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 | $31K | — | $31K | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $66K | $23K | $89K | 2.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | $35K | $26K | $62K | 2.02% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | — | $21K | $21K | 0.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS FL 9 NEW YORK, NY 100362708 | METLIFE LEGAL PLANS | — | $85 | $85 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | P.O. BOX 62939 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | — | $57 | $57 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 1 UPPER POND RD BLDG F PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | — | $28 | $28 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $22K | $0 | $22K | 1.28% |
| 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 | $555 | — | $555 | 0.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 ADMIN SERVICES | Direct payment from the plan; Other services; Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $38.2M |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $8.5M |
| AMERICAN FAMILY LIFE ASSURANCE CO EIN 58-1167100 ADMIN SERVICES | Claims processing; Direct payment from the plan Service code 12 | — | $2.3M |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 ADMIN SERVICES | Direct payment from the plan; Claims processing; Plan Administrator Service code 12 | — | $2.2M |
| BEACON HEALTH OPTIONS LLC CONSULTANT | Direct payment from the plan; Other fees Service code 50 | 240 CORPORATE BLVD NORFOLK, VA 23502 | $1.0M |
| COMPSYCH CORPORATION EIN 36-3739783 ADMIN SERVICES | Claims processing; Direct payment from the plan Service code 12 | — | $717K |
| IBM CORPORATION EIN 13-0871985 CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $466K |
| ERNST & YOUNG EIN 66-0526565 CONSULTANT | Other fees; Direct payment from the plan Service code 50 | — | $415K |
| KES MAIL INC EIN 74-3075854 COMM SERVICE | Other services; Direct payment from the plan Service code 49 | — | $276K |
| MERCER INC. EIN 13-2834414 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $167K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Accounting (including auditing) Service code 10 | — | $147K |
| HARTER SECREST AND EMERY LLP EIN 16-0766172 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $98K |
| CHIPTON-ROSS INC. EIN 39-1341435 CONTRACT LABOR | Plan Administrator; Copying and duplicating; Participant communication; Employee (plan); Contract Administrator; Legal; Direct payment from the plan Service code 13 | — | $64K |
| EPLUS TECHNOLOGY INC EIN 54-1904151 IT HARDWARE | Direct payment from the plan; Other services Service code 49 | — | $25K |
| DELL MARKETING LP COMPUTER SERVICE | Other services; Direct payment from the plan Service code 49 | ONE DELL WAY ROUND ROCK, TX 78682 | $22K |
| BLUE CONCEPTUAL MARKETING INC. EIN 95-4681929 COMM SERVICE | Direct payment from the plan; Participant communication Service code 38 | — | $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 | Contract Administrator; Direct payment from the plan Service code 13 | — | $8K |
| KOFAX INC. EIN 33-0114967 COMPUTER SERVICE | Direct payment from the plan; Other services Service code 49 | — | $8K |
| SCRIPTCLAIM SYSTEMS LLC ADMIN SERVICES | Other services; Claims processing; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 139 E 10TH ST WAHOO, NE 68066 | $8K |
| CARAHSOFT TECHNOLOGY CORPORATION EIN 52-2189693 IT HARDWARE | Direct payment from the plan; Other services Service code 49 | — | $7K |
| CITRIN COOPERMAN ADVISORS LLC EIN 87-2525370 FORM 5500 PREP | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $6K |
| WILLIS TOWERS WATSON DELAWARE INC. EIN 53-0181291 ACTUARY | Actuarial; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Consulting (pension); Direct payment from the plan Service code 11 | — | $5K |
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 | 89,692 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 89,692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 13,796 | $109.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 916 | $9.4M |
| Vision(2 contracts) | VISION SERVICE PLAN | 36,341 | $16.3M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 150,101 | $64.2M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 26 | $180K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 150,101 | $67.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150,101 | — |
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.