| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER(SLC) | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | SELECT HEALTH | — | $8K | $8K | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF IL EIN 36-1236610 SERVICE PROVIDER | Direct payment from the plan; Claims processing Service code 12 | — | $13.8M |
| PRIME THERAPEUTICS EIN 26-0076803 SERVICE PROVIDER | Contract Administrator; Claims processing Service code 12 | — | $3.7M |
| 98POINT6 EIN 47-3490194 SERVICE PROVIDER | Contract Administrator Service code 13 | — | $1.8M |
| DELOITTE & TOUCHE EIN 13-3891517 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $197K |
| DAVIS VISION EIN 11-3051991 SERVICE PROVIDER | Claims processing; Direct payment from the plan Service code 12 | — | $41K |
| JPMORGAN CHASE BANK, N.A. EIN 13-4994650 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Investment management Service code 21 | — | $37K |
| EMSANACARE INC. EIN 86-2544683 SERVICE PROVIDER | Contract Administrator Service code 13 | — | $28K |
| ERNST & YOUNG EIN 34-6565596 SERVICE PROVIDER | Accounting (including auditing) Service code 10 | — | $16K |
| MERCER HUMAN RESOURCE CONSULTING EIN 13-2834414 SERVICE PROVIDER | Consulting (pension) Service code 17 | — | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51,531 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 51,531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts, 16 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 3,208 | $33.1M |
| Dental | DELTA DENTAL OF WASHINGTON | 1,373 | $488K |
| Vision(14 contracts, 14 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 3,208 | $31.4M |
| Prescription drug(14 contracts, 14 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 3,208 | $30.6M |
| Other | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | 18 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,208 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.