| 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 | $58K | — | $58K | 0.45% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $31K | $31K | 0.59% |
| 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 | 0.46% |
| 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 | $3K | — | $3K | 0.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 ADMIN SERVICES | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan Service code 12 | — | $1.4M |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.1M |
| BENEFIT OUTSOURCING SOLUTIONS INC EIN 38-3370067 BENEFIT ELIG ADMIN | Direct payment from the plan; Contract Administrator Service code 13 | — | $569K |
| WILLIS TOWERS WATSON DELAWARE INC. EIN 53-0181291 ACTUARY | Direct payment from the plan; Participant communication; Consulting (pension); Recordkeeping and information management (computing, tabulating, data processing, etc.); Actuarial Service code 11 | — | $225K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $162K |
| SSDC SERVICES CORP EIN 38-3357459 ADMIN SERVICES | Participant communication; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan Service code 15 | — | $61K |
| HARTER SECREST AND EMERY LLP EIN 16-0766172 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $47K |
| CHIPTON-ROSS INC. EIN 39-1341435 CONTRACT LABOR | Plan Administrator; Copying and duplicating; Participant communication; Legal; Direct payment from the plan; Contract Administrator; Employee (plan) Service code 13 | — | $46K |
| IBM CORPORATION EIN 13-0871985 CONSULTANT | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $44K |
| STATE STREET BANK AND TRUST COMPANY EIN 04-1867445 TRUSTEE | Other fees; Investment management; Trustee (directed); Direct payment from the plan Service code 25 | — | $32K |
| MERCER INC. EIN 13-2834414 CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | — | $27K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 INVESTMENT MGR | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Direct payment from the plan Service code 50 | — | $26K |
| KES MAIL INC EIN 74-3075854 COMM SERVICE | Other services; Direct payment from the plan Service code 49 | — | $25K |
| ERNST & YOUNG CONSULTANT | Other fees; Direct payment from the plan Service code 50 | FIVE TIMES SQUARE NEW YORK, NY 10036 | $21K |
| PKF O'CONNOR DAVIES, LLP EIN 27-1728945 ACCOUNTANT/ AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $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 | 48,084 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6,604 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 54,688 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 12,759 | $5.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 12,759 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,759 | — |
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.