| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $111 | $111 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC. EIN 41-1289245 N/A | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $6.7M |
| MERCER HR SERVICES LLC EIN 20-1932099 N/A | Plan Administrator; Direct payment from the plan Service code 14 | — | $188K |
| DELOITTE TAX LLP EIN 86-1065772 N/A | Consulting (general); Direct payment from the plan Service code 16 | — | $163K |
| PAYFLEX SYSTEMS USA INC. EIN 91-1774434 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $160K |
| OPTUMBANK EIN 47-0858534 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $49K |
| REED GROUP LTD. EIN 84-0733950 N/A | Consulting (general); Direct payment from the plan Service code 16 | — | $17K |
| STOEL RIVES EIN 93-0408771 N/A | Legal; Direct payment from the plan Service code 29 | — | $12K |
| BRACEWELL LLP EIN 74-1024827 N/A | 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 | 11,028 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 192 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 322 | $3.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10,332 | $8.1M |
| Vision | VISION SERVICE PLAN | 9,055 | $1.6M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 11,130 | $8.7M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 11,164 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,164 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.