| 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 | $49K | — | $49K | 0.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $28K | $28K | 0.56% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.02% |
| 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 | $4K | — | $4K | 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 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 ADMIN SERVICES | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $794K |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $696K |
| BENEFIT OUTSOURCING SOLUTIONS INC EIN 38-3370067 BENEFIT ELIG ADMIN | Contract Administrator; Direct payment from the plan Service code 13 | — | $547K |
| WILLIS TOWERS WATSON DELAWARE INC. EIN 53-0181291 ACTUARY | Direct payment from the plan; Consulting (pension); Actuarial; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 11 | — | $161K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $105K |
| SSDC SERVICES CORP EIN 38-3357459 ADMIN SERVICES | Other fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Other services Service code 15 | — | $31K |
| CHIPTON-ROSS INC. EIN 39-1341435 CONTRACT LABOR | Plan Administrator; Contract Administrator; Employee (plan); Legal; Direct payment from the plan; Participant communication; Copying and duplicating Service code 13 | — | $21K |
| MERCER INC. EIN 13-2834414 CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | — | $20K |
| KES MAIL INC EIN 74-3075854 COMM SERVICE | Direct payment from the plan; Other services Service code 49 | — | $17K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 INVESTMENT MGR | Investment management fees paid directly by plan; Direct payment from the plan; Investment management fees paid indirectly by plan Service code 50 | — | $15K |
| STATE STREET BANK AND TRUST COMPANY EIN 04-1867445 TRUSTEE | Other fees; Investment management; Trustee (directed); Direct payment from the plan Service code 25 | — | $10K |
| IBM CORPORATION EIN 13-0871985 CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $10K |
| ERNST & YOUNG EIN 66-0526565 CONSULTANT | Other fees; Direct payment from the plan Service code 50 | — | $9K |
| HARTER SECREST AND EMERY LLP EIN 16-0766172 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $8K |
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 | 47,504 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5,332 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 52,836 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,089 | $12.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 11,691 | $5.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 11,691 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,691 | — |
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.