| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER-HEALTH & BENEFITS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS, LLC EIN 82-1061233 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $177K |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 MEDICAL FEE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue; Other services Service code 12 | — | $73K |
| T. ROWE PRICE ASSOCIATES, INC. EIN 52-0556948 INVESTMT MGMT | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | — | $65K |
| JPMORGAN CHASE BANK, N.A. EIN 13-4994650 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $7K |
| EXPRESS SCRIPTS, INC EIN 22-3461740 CONTRACT ADMIN | Claims processing; Contract Administrator Service code 12 | — | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,465 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC - CALIFORNIA | 788 | $4.5M |
| Dental | UNITED CONCORDIA COMPANY, INC | 458 | $180K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC - CALIFORNIA | 788 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 788 | — |
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.