| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $1K | $982 | $1K | +28.0% |
| Broker comp per covered life | $18 | $33 | $36 | -45.4% |
| Broker comp % of premium | 1.4% | 3.1% | 3.2% | -1.7 pp |
| Retention rate | 0.0% | 0.0% | 0.1% | |
| Premium YoY % | -9.9% | -2.8% | 32.3% | -7.1 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. | $460K | — | $460K | 0.49% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $363K | $30 | $363K | 0.55% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.00% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $221K | $221K | 0.78% |
| MERCER HEALTH & BENEFITS LLC3 | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $55K | $0 | $55K | 0.50% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $0 | $31K | 0.45% |
| MERCER HEALTH & BENEFITS LLC3 | 325 JOHN H MCCONNELL BLVD STE 350 COLUMBUS, OH 43215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.05% |
| MERCER H&B ADMINISTRATION LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $854K | $65K | $919K | 20.89% |
| MERCER H&B ADMINISTRATION3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS | $269K | $4K | $273K | 7.90% |
| MERCER H&B ADMINISTRATION3 | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | — | $39K | $39K | 1.13% |
| MERCER H&B ADMINISTRATION LLC3 | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $571K | $43K | $614K | 20.89% |
| MERCER H & B ADMINISTRATION LLC3 | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $409K | $31K | $440K | 20.87% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $8K | $0 | $8K | 0.50% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN FAMILY LIFE ASSURANCE CO OF NY | — | $308 | $308 | 0.24% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN, INC. | $448 | $0 | $448 | 0.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 ADMIN SERVICES | Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Claims processing Service code 12 | — | $37.4M |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $5.5M |
| AMERICAN FAMILY LIFE ASSURANCE CO EIN 58-1167100 ADMIN SERVICES | Claims processing; Direct payment from the plan Service code 12 | — | $2.6M |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 ADMIN SERVICES | Claims processing; Plan Administrator; Direct payment from the plan Service code 12 | — | $2.3M |
| COMPSYCH CORPORATION EIN 36-3739783 ADMIN SERVICES | Claims processing; Direct payment from the plan Service code 12 | — | $1.6M |
| VIDA HEALTH INC EIN 90-0914836 ADMIN SERVICES | Claims processing; Direct payment from the plan Service code 12 | — | $1.2M |
| RX SAVINGS SOLUTIONS EIN 26-3642434 OTHER SERVICES | Other services; Direct payment from the plan Service code 49 | — | $552K |
| ERNST & YOUNG EIN 66-0526565 CONSULTANT | Direct payment from the plan; Other fees Service code 50 | — | $527K |
| MERATIVE US LP EIN 88-1430661 CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $483K |
| LABCORP EMPLOYER SERVICES INC EIN 83-3697312 WELLNESS SERVICES | Direct payment from the plan; Other services Service code 49 | — | $266K |
| MERCER INC. EIN 13-2834414 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $254K |
| HERRONPALMER EIN 45-4725418 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $190K |
| KES MAIL INC EIN 74-3075854 COMM SERVICE | Direct payment from the plan; Other services Service code 49 | — | $164K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $160K |
| LIVONGO HEALTH INC EIN 26-3542036 ADMIN SERVICES | Direct payment from the plan; Claims processing Service code 12 | — | $123K |
| HARTER SECREST AND EMERY LLP EIN 16-0766172 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $121K |
| CHIPTON-ROSS INC. EIN 39-1341435 CONTRACT LABOR | Consulting (general); Direct payment from the plan; Other services Service code 16 | — | $65K |
| FUTURE TECH ENTERPRISE INC EIN 11-3350196 OTHER SERVICES | Other services Service code 49 | — | $52K |
| HEALTH FAIRS DIRECT EIN 61-1648386 HEALTH FAIR COORDINATOR | Direct payment from the plan; Other services Service code 49 | — | $49K |
| NAT'L COUNCIL FOR MENTAL WELLBEING EIN 23-7092671 WELLNESS SERVICES | Other services; Direct payment from the plan Service code 49 | — | $31K |
| EPLUS TECHNOLOGY INC EIN 54-1904151 IT HARDWARE | Direct payment from the plan; Other services Service code 49 | — | $24K |
| SCRIPTCLAIM SYSTEMS LLC ADMIN SERVICES | Other services; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 139 E 10TH ST WAHOO, NE 68066 | $15K |
| 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 | — | $14K |
| ALMADEN PRESS EIN 77-0584791 COMM SERVICE | Direct payment from the plan; Other services Service code 49 | — | $13K |
| CARAHSOFT TECHNOLOGY CORPORATION EIN 52-2189693 IT HARDWARE | Direct payment from the plan; Other services Service code 49 | — | $10K |
| BENEFIT OUTSOURCING SOLUTIONS INC EIN 38-3370067 BENEFIT ELIG ADMIN | Contract Administrator; Direct payment from the plan Service code 13 | — | $8K |
| CITRIN COOPERMAN ADVISORS LLC EIN 87-2525370 FORM 5500 PREP | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $7K |
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 | 96,740 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 96,740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 31,819 | $128.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 552 | $6.7M |
| Vision(2 contracts) | VISION SERVICE PLAN | 37,813 | $16.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 154,733 | $65.7M |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 192,670 | $28.5M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 12 | $123K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 192,670 | $97.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192,670 | — |
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.