| 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 | — | $290 | $290 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER (SLC) | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SELECTHEALTH | — | $68K | $68K | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | THE HARTFORD | — | $1K | $1K | 1.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF IL EIN 36-1236610 SERVICE PROVIDER | Claims processing; Direct payment from the plan Service code 12 | — | $53.6M |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 SERVICE PROVIDER | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $5.7M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 SERVICE PROVIDER | Direct payment from the plan; Claims processing Service code 12 | — | $2.4M |
| DELTA DENTAL OF WASHINGTON EIN 91-0621480 SERVICE PROVIDER | Claims processing; Direct payment from the plan Service code 12 | — | $1.9M |
| DAVIS VISION EIN 11-3051991 SERVICE PROVIDER | Claims processing; Direct payment from the plan Service code 12 | — | $299K |
| CIGNA EIN 06-0303370 SERVICE PROVIDER | Named fiduciary; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Participant communication Service code 12 | — | $262K |
| DELOITTE AND TOUCHE EIN 13-3891517 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $155K |
| IORA EIN 45-3514434 SERVICE PROVIDER | Contract Administrator; Direct payment from the plan Service code 13 | 101 TREMONT STREET, FLOOR 6 BOSTON, MA 02108 | $90K |
| JPMORGAN CHASE BANK EIN 13-4994650 TRUSTEE | Direct payment from the plan; Investment management; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $48K |
| MERCER HUMAN RESOURCE CONSULTING EIN 13-2834414 SERVICE PROVIDER | Consulting (pension) Service code 17 | — | $10K |
| ERNEST & YOUNG EIN 34-6565596 SERVICE PROVIDER | Accounting (including auditing) Service code 10 | 3712 SOLUTIONS CENTER CHICAGO, IL 606773007 | $9K |
| ADVANCED MEDICAL REVIEWS SERVICE PROVIDER | Contract Administrator Service code 13 | PO BOX 492345 REDDING, CA 96049 | $5K |
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 | 126,699 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37,469 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164,168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(18 contracts, 18 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 8,816 | $120.0M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,887 | $31.4M |
| Vision(17 contracts, 17 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 8,816 | $120.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 12,292 | $18.0M |
| Long-term disability | THE HARTFORD | 232 | $56K |
| Prescription drug(16 contracts, 16 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 8,816 | $106.1M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,292 | $18.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,887 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.