| 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 | $64K | — | $64K | 0.50% |
| 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 | $5K | — | $5K | 0.47% |
| 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 | 0.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | EMBLEM HEALTH | $86 | — | $86 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 ADMIN SERVICES | Claims processing; Contract Administrator; Direct payment from the plan; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.5M |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $919K |
| BENEFIT OUTSOURCING SOLUTIONS INC EIN 38-3370067 BENEFIT ELIG ADMIN | Direct payment from the plan; Contract Administrator Service code 13 | — | $578K |
| WILLIS TOWERS WATSON DELAWARE INC. EIN 53-0181291 ACTUARY | Actuarial; Consulting (pension); Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 11 | — | $276K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $167K |
| IBM EIN 13-0871985 CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $89K |
| HARTER SECREST EMERY LLP EIN 16-0766172 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $67K |
| SSDC SERVICES CORP EIN 38-3357459 ADMIN SERVICES | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Participant communication; Other fees Service code 15 | — | $67K |
| CHIPTON-ROSS EIN 39-1341435 CONTRACT LABOR | Plan Administrator; Contract Administrator; Employee (plan); Copying and duplicating; Legal; Direct payment from the plan; Participant communication Service code 13 | — | $51K |
| STATE STREET BANK AND TRUST COMPANY EIN 04-1867445 TRUSTEE | Direct payment from the plan; Other fees; Trustee (directed); Investment management Service code 25 | — | $35K |
| KES MAIL INC EIN 74-3075854 COMM SERVICE | Direct payment from the plan; Other services Service code 49 | — | $30K |
| 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 | — | $29K |
| OSI CONSULTING INC EIN 95-4844560 CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | — | $25K |
| ERNST & YOUNG CONSULTANT | Direct payment from the plan; Other fees Service code 50 | FIVE TIMES SQUARE NEW YORK, NY 10036 | $19K |
| BLUE CONCEPTUAL MARKETING INC EIN 95-4681929 COMM SERVICE | Participant communication; Direct payment from the plan Service code 38 | — | $14K |
| EPLUS TECHNOLOGY INC EIN 54-1904151 IT HARDWARE | Direct payment from the plan; Other services Service code 49 | — | $14K |
| 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 | — | $7K |
| CDW DIRECT LLC COMPUTER SERVICE | Direct payment from the plan; Other services Service code 49 | 75 TRI-STATE INTERNATIONAL LINCOLNSHIRE, IL 60069 | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47,932 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3,476 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 51,408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | EMBLEM HEALTH | 7 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,467 | — |
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.
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.