| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON HEWITT | 5600 WEST 83RD ST 8200 TOWER STE 1100 MINNEAPOLIS, MN 55437 | MINNESOTA LIFE INSURANCE COMPANY | $20K | — | $20K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, ID 60674 | MINNESOTA LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 2133 VICTORY BLVD # 635 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $55K | — | $55K | 3.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4564 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 0.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-MINNEAPOLIS | 8200 TOWER STE 1100 5600 WEST 83RD STREET MINNEAPOLIS, MN 55437 | UNITED HEALTHCARE INSURANCE COMPANY | $60K | — | $60K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 333 S 7TH ST. STE 1400 MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | -$29 | — | -$29 | -0.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 5600 WEST 83RD STREET 8200 TOWER STE 1100 MINNEAPOLIS, MN 55437 | MINNESOTA LIFE INSURANCE COMPANY | $10K | — | $10K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CR CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 5600 WEST 83RD STREET SUITE 1100, 8200 TOWER MINNEAPOLIS, MN 55437 | ZURICH AMERICAN INSURANCE COMPANY | $14K | — | $14K | 20.00% |
| DAVID MARTIN AGENCY INC3 | 980 JOLLY ROAD, U13S BLUE BELL, PA 19422 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 17.18% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $91 | — | $91 | 0.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD LIFE INSURANCE COMPANY | $513 | — | $513 | 21.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS - MIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$8 | -$8 | -$16 | -1.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MINNESOTA EIN 41-0984460 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator; Other fees; Float revenue; Claims processing Service code 12 | — | $5.1M |
| REDBRICK HEALTH EIN 20-5250594 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $945K |
| PRIME THERAPEUTICS, INC. EIN 41-1892844 NONE | Contract Administrator; Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $681K |
| MII LIFE EIN 41-6019132 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $556K |
| DELTA DENTAL OF MINNESOTA EIN 41-1905554 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $310K |
| COMPSYCH CORPORATION EIN 36-3739783 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $183K |
| GRAND ROUNDS EIN 45-3580052 NONE | Other services; Consulting (general) Service code 16 | — | $153K |
| HCMS NONE | Consulting fees; Direct payment from the plan Service code 50 | 415 W 17TH ST., SUITE 250 CHEYENNE, WY 82001 | $118K |
| HEALTH EFX NONE | Direct payment from the plan; Consulting fees Service code 50 | 6121 BAKER ROAD, SUITE 104 MINNEAPOLIS, MN 55345 | $55K |
| AON HEWITT NONE | Consulting fees; Direct payment from the plan Service code 50 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | $31K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| WELLS FARGO EIN 94-1347393 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $14K |
| KNOVA EIN 27-1478411 NONE | Consulting (general); Participant communication; Other services Service code 16 | — | $7K |
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 | 10,225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 281 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DDMN ASO, LLC | 16,313 | $4.7M |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 13,098 | $1.2M |
| Life insurance(4 contracts, 3 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 10,273 | $3.0M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 6,399 | $1.8M |
| Other(3 contracts, 3 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 3,676 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,313 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.