| 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 | $76K | — | $76K | 0.54% |
| 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 | 0.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $2K | — | $2K | 0.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | EMBLEM HEALTH | $903 | — | $903 | 0.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 ADMIN SERVICES | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $1.5M |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $879K |
| BENEFIT OUTSOURCING SOLUTIONS INC EIN 38-3370067 BENEFIT ELIG ADMIN | Contract Administrator; Direct payment from the plan Service code 13 | — | $577K |
| WILLIS TOWERS WATSON DELAWARE INC. EIN 53-0181291 ACTUARY | Consulting (pension); Actuarial; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 11 | — | $350K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $156K |
| TRUVEN HEALTH ANALYTICS INC EIN 06-1467923 DATA WAREHOUSING | Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $81K |
| SSDC SERVICES CORP EIN 38-3357459 ADMIN SERVICES | Direct payment from the plan; Other services; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 15 | — | $67K |
| CHIPTON-ROSS EIN 39-1341435 CONTRACT LABOR | Contract Administrator; Employee (plan); Legal; Direct payment from the plan; Copying and duplicating; Plan Administrator; Participant communication Service code 13 | — | $54K |
| STATE STREET BANK AND TRUST COMPANY EIN 04-1867445 TRUSTEE | Trustee (directed); Other fees; Investment management; Direct payment from the plan Service code 25 | — | $49K |
| ERNST & YOUNG CONSULTANT | Other fees; Direct payment from the plan Service code 50 | FIVE TIMES SQUARE NEW YORK, NY 10036 | $47K |
| HARTER SECREST EMERY LLP EIN 16-0766172 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $44K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 INVESTMENT MGR | Direct payment from the plan; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 50 | — | $39K |
| KES MAIL INC EIN 74-3075854 COMM SERVICE | Direct payment from the plan; Other services Service code 49 | — | $27K |
| IBM EIN 13-0871985 CONSULTANT | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $23K |
| OSI CONSULTING INC EIN 95-4844560 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $23K |
| WALTER SCOTT AND PARTNERS LIMITED EIN 98-0465834 INVESTMENT MGR | Investment management; Investment management fees paid directly by plan; Soft dollars commissions; Direct payment from the plan Service code 28 | — | $16K |
| LOCUST WOOD CAPITAL ADVISERS LLC EIN 02-0608893 INVESTMENT MGR | Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $15K |
| ZADIG GESTION (LUXEMBOUR) S.A. INVESTMENT MGR | Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $14K |
| BLUE COMMUNICATIONS EIN 95-4681929 COMM SERVICE | Participant communication; Direct payment from the plan Service code 38 | — | $12K |
| MORGAN STANLEY INVESTMENT MGMT INC EIN 13-3040307 INVESTMENT MGR | Direct payment from the plan; Soft dollars commissions; Investment management; Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $12K |
| ALLIANCE BERNSTEIN LP EIN 13-4064930 INVESTMENT MGR | Direct payment from the plan; Soft dollars commissions; Investment management fees paid directly by plan Service code 50 | — | $12K |
| PACIFIC INVESTMENT MANAGEMENT CO EIN 33-0629048 INVESTMENT MGR | Investment management; Direct payment from the plan; Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $11K |
| JENNISON ASSOCIATES LLC EIN 22-2540245 INVESTMENT MGR | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management; Investment advisory (plan); Direct payment from the plan Service code 27 | — | $11K |
| MONDRIAN INVESTMENT GROUP US INC EIN 56-2475915 INVESTMENT MGR | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $10K |
| EPLUS TECHNOLOGY INC EIN 54-1904151 IT HARDWARE | Direct payment from the plan; Other services Service code 49 | — | $9K |
| THE ROCK CREEK GROUP EIN 04-3648062 INVESTMENT MGR | Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | — | $7K |
| BAILLIE GIFFORD OVERSEAS EIN 22-3438530 INVESTMENT MGR | Non-monetary compensation; Direct payment from the plan; Investment management; Investment management fees paid directly by plan; Product termination fees (surrender charges, etc.) Service code 28 | — | $7K |
| FISHER INVESTMENTS INC EIN 20-2480800 INVESTMENT MGR | Non-monetary compensation; Investment management; Securities brokerage commissions and fees; Direct payment from the plan; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $6K |
| CALLAN ASSOCIATES EIN 94-2192581 CONSULTANT | Valuation (appraisals, etc.); Direct payment from the plan Service code 34 | — | $6K |
| GOLDMAN SACHS ASSET MANAGEMENT LP EIN 13-3575636 INVESTMENT MGR | Non-monetary compensation; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $5K |
| OPEN TEXT INC EIN 36-3811517 COMPUTER SERVICE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $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 | 49,253 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5,984 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 55,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | EMBLEM HEALTH | 15 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,634 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.