| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH J HANEY3 | 42560 VAN DYKE STERLING HEIGHTS, MI 483143323 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $71K | — | $71K | 0.90% |
| GROUP ASSOCIATES, INC.3 Filed as: GROUP ASSOCIATES, INC | 30800 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | INDEPENDENCE BLUE CROSS | $385K | — | $385K | 5.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $73K | — | $73K | 1.96% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | UPMC HEALTH OPTIONS | $68K | — | $68K | 2.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $63K | — | $63K | 1.97% |
| 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 | $57K | — | $57K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | GEISINGER QUALITY OPTIONS, INC. | $42K | — | $42K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 111 SW COLUMBIA ST #400 PORTLAND, OR 97201 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $37K | — | $37K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 100 N TRYON ST STE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $36K | — | $36K | 2.00% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | AETNA | $69K | — | $69K | 3.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $31K | — | $31K | 1.87% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | BLUE CARE NETWORK | $30K | — | $30K | 2.64% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | KAISER PERMANENTE MID ATLANTIC | $24K | — | $24K | 2.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 100 N TRYON ST STE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $17K | — | $17K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4546 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $16K | — | $16K | 2.00% |
| THE STERLING GROUP INC3 Filed as: STERLING GROUP INC | 13900 LAKESIDE CIR STERLING HEIGHTS, MI 483131318 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $36 | $43K | 5.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1717 ARCH ST 27TH FLOOR PHILADELPHIA, PA 19103 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $16K | — | $16K | 1.98% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | BLUE CROSS BLUE SHIELD OF RI | — | — | $0 | 0.00% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | — | $16K | 3.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 100 N TRYON ST STE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $8K | — | $8K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4 EMBARCADERO BLVD STE 400 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $5K | — | $5K | 2.00% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISI GUAYNABO, PR 99999 | TRIPLE S SALUD, INC. | $12K | — | $12K | 5.00% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.54% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | UPMC HEALTH OPTIONS | $3K | — | $3K | 2.09% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | UNITY HEALTH PLAN | $3K | — | $3K | 2.95% |
| RICHARD CHELTEN3 | 4768 PARKVIEW CLARKSTON, MI 48346 | STANDARD LIFE AND ACCIDENT | $11K | — | $11K | 13.52% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | STANDARD LIFE AND ACCIDENT | $4K | — | $4K | 5.06% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $4K | — | $4K | 5.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMN LLC | PO BOX 310502 DES MOINES, IA 50331 | GENWORTH LIFE INSURANCE COMPANY | $26K | — | $26K | 46.99% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | KAISER PERMANENTE MID ATLANTIC | $150 | — | $150 | 0.38% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 100 N TRYON ST STE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $57 | — | $57 | 1.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 100 N TRYON ST STE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $82 | — | $82 | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 10414 DES MOINES, IA 50306 | RELIASTAR LIFE INSURANCE COMPANY | $51 | — | $51 | 2.63% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $22 | — | $22 | 1.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $4.3M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $3.5M |
| CONDUENT NONE | Other services; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 100 CAMPUS DR STE 200 FLORHAM PARK, NJ 07932 | $3.3M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $2.9M |
| CIGNA BEHAVIORAL HEALTH INC. EIN 41-1648670 NONE | Direct payment from the plan; Contract Administrator; Claims processing; Participant communication Service code 12 | — | $721K |
| MAESTRO HEALTH EIN 38-2779844 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Recordkeeping fees Service code 13 | — | $461K |
| SMITH EDWARDS DUNLOP EIN 23-0539350 NONE | Copying and duplicating; Participant communication Service code 36 | — | $443K |
| AETNA LIFE AND CASUALTY (BERMUDA) NONE | Other services Service code 49 | — | $188K |
| ALIGHT SOLUTIONS LLC EIN 22-2232264 NONE | Other services Service code 49 | — | $151K |
| WILLIS TOWERS WATSON EIN 23-1195360 NONE | Consulting (general) Service code 16 | — | $11K |
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 | 29,616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 311 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 29,927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(34 contracts, 22 carriers) | INDEPENDENCE BLUE CROSS | 13,089 | $108.4M |
| Dental(5 contracts, 5 carriers) | DELTA DENTAL OF PENNSYLVANIA | 46,287 | $24.0M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 25,463 | $10.6M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 846 | $1.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 846 | $800K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 846 | $800K |
| Prescription drug(16 contracts, 12 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,381 | $24.1M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 846 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 46,287 | — |
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.