| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $811 | $811 | 0.01% |
| JEFF HALSETH5 | COASTAL PLAINS INSURANCE 15 BOW CIRCLE HILTON HEAD, SC 29928 | MONUMENTAL LIFE INSURANCE COMPANY | $8 | — | $8 | 3.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF IL EIN 36-1236610 PARTY-IN-INTEREST | Claims processing; Direct payment from the plan Service code 12 | — | $58.9M |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 PARTY-IN-INTEREST | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $5.4M |
| VALUE OPTIONS EIN 54-1414194 PARTY-IN-INTEREST | Claims processing; Direct payment from the plan Service code 12 | — | $3.7M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PARTY-IN-INTEREST | Claims processing; Direct payment from the plan Service code 12 | — | $3.5M |
| DELTA DENTAL OF WASHINGTON EIN 91-0621480 PARTY-IN-INTEREST | Direct payment from the plan; Claims processing Service code 12 | — | $875K |
| CARENA PARTY-IN-INTEREST | Direct payment from the plan; Claims processing Service code 12 | P.O. BOX 673 SEATTLE, WA 98111 | $654K |
| CIGNA EIN 06-0303370 PARTY-IN-INTEREST | Non-monetary compensation; Claims processing; Participant communication; Contract Administrator; Named fiduciary; Direct payment from the plan; Other services; Float revenue Service code 12 | — | $602K |
| DAVIS VISION EIN 11-3051991 PARTY-IN-INTEREST | Claims processing; Direct payment from the plan Service code 12 | — | $291K |
| HEALTH DESIGN PLUS EIN 34-1593929 PARTY-IN-INTEREST | Direct payment from the plan; Claims processing Service code 12 | — | $258K |
| PLANTE & MORAN, PLLC EIN 38-1357951 PLAN AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $174K |
| REED GROUP MANAGEMENT LLC EIN 84-0733950 PARTY-IN-INTEREST | Claims processing Service code 12 | 10355 WESTMOOR DRIVE WESTMINSTER, CO 80021 | $130K |
| JPMORGAN CHASE BANK EIN 13-4994650 TRUSTEE | Investment management; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $59K |
| MERCER HUMAN RESOURCE CONSULTING EIN 13-2834414 PARTY-IN-INTEREST | Consulting (pension) Service code 17 | — | $15K |
| ERNEST & YOUNG EIN 34-6565596 PARTY-IN-INTEREST | Accounting (including auditing) Service code 10 | 3712 SOLUTIONS CENTER CHICAGO, IL 606773007 | $13K |
| THE BOEING CO AND CONSOLIDATED SUBS EIN 91-0425694 PLAN SPONSOR | Consulting (pension); Plan Administrator; Other services Service code 14 | — | $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 | 129,510 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38,246 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167,756 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(19 contracts, 19 carriers) | KAISER FOUNDATION HEALTH PLAN INC - CALIFORNIA | 11,143 | $139.1M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 24,281 | $31.1M |
| Vision(18 contracts, 18 carriers) | KAISER FOUNDATION HEALTH PLAN INC - CALIFORNIA | 11,143 | $139.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 12,966 | $13.3M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 310 | $78K |
| Prescription drug(17 contracts, 17 carriers) | KAISER FOUNDATION HEALTH PLAN INC - CALIFORNIA | 11,143 | $120.4M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,966 | $13.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,281 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.