| 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 | -$173 | — | -$173 | -0.00% |
| 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 | $6K | — | $6K | 0.46% |
| STEPHEN CONSTANTS3 | 2021 MONTICELLO DRIVE ANNAPOLIS, MD 21401 | MONUMENTAL LIFE INSURANCE COMPANY | $15K | — | $15K | 3.14% |
| JEFF HALSETH3 | 22 HOBONNY PLACE HILTON HEAD ISLAND, SC 29926 | MONUMENTAL LIFE INSURANCE COMPANY | $11K | — | $11K | 2.34% |
| 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 | $1K | — | $1K | 0.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEWITT ASSOCIATES LLC EIN 36-2235791 RECORDKEEPER | Direct payment from the plan; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $2.3M |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 ADMIN SERVICES | Claims processing; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $1.5M |
| BENEFIT OUTSOURCING SOLUTIONS INC EIN 38-3370067 BENEFIT ELG ADMIN | Direct payment from the plan; Contract Administrator Service code 13 | — | $575K |
| NORTHROP GRUMMAN CORPORATION EIN 80-0640649 EMPLOYER | Direct payment from the plan; Plan Administrator Service code 14 | — | $563K |
| TOWERS WATSON DELAWARE INC EIN 53-0181291 ACTUARY | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (pension); Direct payment from the plan; Actuarial; Participant communication Service code 11 | — | $323K |
| TRUVEN HEALTH ANALYTICS INC EIN 06-1467923 DATA WAREHOUSING | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $148K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $127K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 INVESTMENT MGR | Investment management; Direct payment from the plan Service code 28 | — | $125K |
| STATE STREET BANK & TRUST CO EIN 04-1867445 TRUSTEE | Direct payment from the plan; Trustee (directed); Other fees; Investment management Service code 25 | — | $101K |
| HARTER SECREST EMERY LLP EIN 16-0766172 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $95K |
| SSDC SERVICES CORP EIN 38-3357459 ADMIN SERVICES | Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Participant communication Service code 15 | — | $73K |
| SEYFARTH SHAW LLP EIN 36-2152202 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $69K |
| MERCER EIN 13-2834414 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $64K |
| CHIPTON-ROSS EIN 39-1341435 CONTRACT LABOR | Contract Administrator; Direct payment from the plan; Other services Service code 13 | — | $50K |
| KES MAIL INC EIN 74-3075854 COMM SERVICE | Other services; Direct payment from the plan Service code 49 | — | $32K |
| BLUE COMMUNICATIONS EIN 95-4681929 COMM SERVICE | Direct payment from the plan; Participant communication Service code 38 | — | $29K |
| O'CONNOR DAVIES MUNNS & DOBBINS LLP EIN 13-3385019 CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | — | $21K |
| OSI CONSULTING INC EIN 95-4844560 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $14K |
| VIRGIN PULSE INC EIN 20-2547480 H&W PLATFORM | Account maintenance fees; Direct payment from the plan Service code 50 | — | $11K |
| AYCO COMPANY LP EIN 33-1187432 CONSULTANT | Other services; Direct payment from the plan Service code 49 | — | $5K |
| KST DATA EIN 33-0146872 COMPUTER SERVICE | Other services; Direct payment from the plan Service code 49 | — | $5K |
| CURCIO WEBB LLC EIN 36-4171366 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50,669 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19,401 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 70,070 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 1,669 | $949K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,075 | $510K |
| Other(2 contracts, 2 carriers) | EMBLEM HEALTH | 743 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,075 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.