| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 0.30% |
| WILLIS TOWERS WATSON US LLC7 | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $160K | $1K | $161K | 5.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $877K |
| MERCER HR SERVICES LLC EIN 20-1932099 N/A | Plan Administrator; Direct payment from the plan Service code 14 | — | $462K |
| EXPRESS SCRIPTS EIN 22-3461740 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $201K |
| NORTHERN TRUST COMPANY EIN 36-1561860 N/A | Investment management fees paid directly by plan; Soft dollars commissions; Trustee (directed); Investment management fees paid indirectly by plan; Float revenue; Direct payment from the plan Service code 25 | — | $130K |
| MORNEAU SHEPELL LIMITED EIN 52-1883918 N/A | Plan Administrator; Direct payment from the plan Service code 14 | — | $46K |
| MERCER INVESTMENT CONSULTING LLC EIN 61-0736136 N/A | Investment management fees paid directly by plan Service code 51 | — | $26K |
| AARP EIN 98-1985500 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $24K |
| HAM, LANGSTON & BREZINA LLP EIN 76-0448495 N/A | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $22K |
| STOEL RIVES EIN 93-0408771 N/A | Legal; Direct payment from the plan Service code 29 | — | $17K |
| OPTUMHEALTH FINANCIAL SEREVICES INC EIN 47-0858530 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11,949 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 12,301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,348 | $3.4M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 7,321 | $5.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,899 | $3.2M |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 116 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,899 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.