| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER (SLC) | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SELECTHEALTH | $0 | $72K | $72K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | — | — | $0 | 0.00% |
| 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 | — | $59.6M |
| 98POINT6 EIN 81-5231430 SERVICE PROVIDER | Contract Administrator; Direct payment from the plan Service code 13 | — | $4.1M |
| CROSSOVER HEALTH EIN 27-2210284 SERVICE PROVIDER | Direct payment from the plan; Contract Administrator Service code 13 | — | $3.4M |
| PRIME THERAPEUTICS EIN 26-0076803 SERVICE PROVIDER | Claims processing; Contract Administrator Service code 12 | — | $3.2M |
| DELTA DENTAL OF WASHINGTON EIN 91-0621480 SERVICE PROVIDER | Direct payment from the plan; Claims processing Service code 12 | — | $1.9M |
| EMSANACARE INC. EIN 86-2544683 SERVICE PROVIDER | Contract Administrator Service code 13 | — | $1.9M |
| SMARTLIGHT ANALYTICS EIN 81-0791458 SERVICE PROVIDER | Contract Administrator Service code 13 | — | $1.5M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 SERVICE PROVIDER | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $1.4M |
| 1 LIFE HEALTHCARE,INC. EIN 76-0707204 SERVICE PROVIDER | Contract Administrator Service code 13 | — | $1.1M |
| DAVIS VISION EIN 11-3051991 SERVICE PROVIDER | Claims processing; Direct payment from the plan Service code 12 | — | $299K |
| DELOITTE & TOUCHE EIN 13-3891517 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $186K |
| CIGNA EIN 59-1031071 SERVICE PROVIDER | Participant communication; Named fiduciary; Other services; Non-monetary compensation; Claims processing; Contract Administrator; Float revenue; Direct payment from the plan Service code 12 | — | $165K |
| JPMORGAN CHASE BANK, N.A. EIN 13-4994650 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $20K |
| IORA EIN 45-3514434 SERVICE PROVIDER | Direct payment from the plan; Contract Administrator Service code 13 | — | $20K |
| ERNST & YOUNG EIN 34-6565596 SERVICE PROVIDEER | Accounting (including auditing) Service code 10 | — | $7K |
| JP MORGAN INVESTMENT MANAGEMENT I | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $4K |
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 | 133,940 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,205 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137,145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 5,769 | $109.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 14,465 | $15.0M |
| Vision(9 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 5,769 | $109.0M |
| Prescription drug(7 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 5,769 | $92.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,465 | — |
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.