| 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 | $63K | — | $63K | 0.96% |
| THE STERLING GROUP INC3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.07% |
| GROUP ASSOCIATES, INC.3 Filed as: GROUP ASSOCIATES, INC | 30800 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | INDEPENDENCE BLUE CROSS | $284K | — | $284K | 5.53% |
| 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 | 1.89% |
| 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 | $63K | — | $63K | 1.91% |
| 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. | $61K | — | $61K | 1.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 100 N TRYON ST STE 3600 CHARLOTTE, IL 28202 | UPMC HEALTH OPTIONS | $50K | — | $50K | 1.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | GEISINGER QUALITY OPTIONS, INC. | $43K | — | $43K | 2.00% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | AETNA | $87K | — | $87K | 4.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC PORTLA | 111 SW COLUMBIA ST #500 PORTLAND, OR 97201 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $37K | $1 | $37K | 1.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 100 N TRYON ST STE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $33K | — | $33K | 1.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $32K | — | $32K | 2.02% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | BLUE CARE NETWORK | $46K | — | $46K | 3.98% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | KAISER PERMANENTE MID ATLANTIC | $2K | — | $2K | 0.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $16K | — | $16K | 1.87% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 1717 ARCH ST 27TH FLOOR PHILADELPHIA, PA 19103 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $15K | — | $15K | 1.87% |
| THE STERLING GROUP INC3 Filed as: STERLING GROUP INC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | — | $39K | 5.47% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | — | $20K | 3.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 100 N TRYON ST STE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $10K | — | $10K | 1.89% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | KAISER PERMANENTE - COLORADO | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC SAN FR | 4 EMBARCADERO CENTER STE 400 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $4K | — | $4K | 1.86% |
| 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 | UNITY HEALTH PLAN | $5K | — | $5K | 3.29% |
| RICHARD CHELTEN3 | 4768 PARKVIEW CLARKSTON, MI 48346 | STANDARD LIFE AND ACCIDENT | $12K | — | $12K | 13.38% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | STANDARD LIFE AND ACCIDENT | $4K | — | $4K | 5.00% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $4K | — | $4K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMN LLC | PO BOX 310502 DES MOINES, IA 50331 | GENWORTH LIFE INSURANCE COMPANY | $8K | — | $8K | 14.95% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | KAISER PERMANENTE MID ATLANTIC | $100 | — | $100 | 0.33% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 100 N TRYON ST STE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $165 | — | $165 | 1.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 100 N TRYON ST STE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $144 | — | $144 | 1.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 10414 DES MOINES, IA 50306 | RELIASTAR LIFE INSURANCE COMPANY | $35 | — | $35 | 1.84% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $15 | — | $15 | 0.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $5.4M |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $4.2M |
| CONDUENT NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Other services Service code 15 | 100 CAMPUS DR STE 200 FLORHAM PARK, NJ 07932 | $3.4M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Non-monetary compensation; Claims processing; Contract Administrator; Named fiduciary; Float revenue; Participant communication; Other services; Direct payment from the plan Service code 12 | — | $3.4M |
| CIGNA BEHAVIORAL HEALTH INC. EIN 41-1648670 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication Service code 12 | — | $708K |
| SMITH EDWARDS DUNLOP EIN 23-0539350 NONE | Participant communication; Copying and duplicating Service code 36 | — | $507K |
| MAESTRO HEALTH EIN 38-2779844 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 15 | — | $342K |
| AETNA LIFE AND CASUALTY (BERMUDA) NONE | Other services Service code 49 | — | $49K |
| WILLIS TOWERS WATSON EIN 23-1195360 NONE | Consulting (general) Service code 16 | — | $17K |
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 | 25,458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,078 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 27,536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(28 contracts, 20 carriers) | INDEPENDENCE BLUE CROSS | 10,251 | $98.5M |
| Dental(5 contracts, 5 carriers) | DELTA DENTAL OF PENNSYLVANIA | 41,362 | $22.3M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 22,140 | $9.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 568 | $941K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 568 | $705K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 568 | $705K |
| Prescription drug(10 contracts, 9 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,026 | $17.2M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 568 | $999K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,362 | — |
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.