| 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 | $112K | — | $112K | 1.59% |
| GROUP ASSOCIATES, INC. Filed as: GROUP ASSOCIATES, INC | 30800 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | INDEPENDENCE BLUE CROSS | $140K | — | $140K | 2.99% |
| 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. | $52K | — | $52K | 1.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UPMC HEALTH OPTIONS | $47K | — | $47K | 1.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN INC. | $51K | — | $51K | 2.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $48K | — | $48K | 2.14% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAO, IL 60674 | GEISINGER QUALITY OPTIONS, INC. | $28K | — | $28K | 2.00% |
| SALUS GROUP3 | 38233 MOUND ROAD, BUILDING F STERLING HEIGHTS, MI 48310 | AETNA | $29K | — | $29K | 2.39% |
| GROUP ASSOCIATES, INC. Filed as: GROUP ASSOCIATES, INC | 30800 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | AETNA | $26K | — | $26K | 2.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 10414 DES MOINES, IA 50306 | RELIASTAR LIFE INSURANCE COMPANY | $793K | $81K | $874K | 73.14% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| SALUS GROUP3 | 38233 MOUND ROAD STERLING HEIGHTS, MI 48310 | KAISER PERMANENTE MID ATLANTIC | $2K | — | $2K | 0.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $21K | — | $21K | 2.19% |
| SALUS GROUP3 | 38233 MOUND ROAD, BUILDING F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK | $41K | — | $41K | 4.43% |
| 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 | $18K | $1 | $18K | 2.18% |
| THE STERLING GROUP INC3 Filed as: STERLING GROUP | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | PRUDENTIAL | $100 | — | $100 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $16K | — | $16K | 2.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 100 N TYRON STREET CHAROLETTE, NC 28202 | UPMC HEALTH OPTIONS | $13K | — | $13K | 2.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC SAN FR | 4 EMBARCADERO CENTER STE 400 SAN FRANCISCO, CA 94111 | UPMC HEALTH OPTIONS | $9K | — | $9K | 1.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $9K | — | $9K | 2.06% |
| GROUP ASSOCIATES, INC.3 Filed as: GROUP ASSOCIATES, INC | 30800 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 4.02% |
| 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 | 2.18% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISI GUAYNABO, PR 99999 | TRIPLE S SALUD, INC. | $9K | — | $9K | 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 | $9K | — | $9K | 14.87% |
| SALUS GROUP3 | 38233 MOUND ROAD STERLING HEIGHTS, MI 48310 | UNITY HEALTH PLAN | $1K | — | $1K | 2.39% |
| GROUP ASSOCIATES, INC.3 Filed as: GROUP ASSOCIATES, INC | 30800 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | UNITY HEALTH PLAN | $382 | — | $382 | 0.77% |
| RICHARD CHELTEN0 | 4768 PARKVIEW CLARKSTON, MI 48346 | STANDARD LIFE AND ACCIDENT | $5K | — | $5K | 13.19% |
| SALUS GROUP1 | 38233 MOUND ROAD STERLING HEIGHTS, MI 48310 | STANDARD LIFE AND ACCIDENT | $2K | — | $2K | 5.00% |
| MWL0 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $2K | — | $2K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC PORTLA | 100 N TYRON STREET CHAROLETTE, NC 28202 | UPMC HEALTH OPTIONS | $501 | — | $501 | 2.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 100 N TYRON STREET CHAROLETTE, NC 28202 | UPMC HEALTH OPTIONS | $133 | — | $133 | 2.20% |
| SALUS GROUP3 | 38233 MOUND ROAD STERLING HEIGHTS, MI 48310 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $356 | — | $356 | 5.96% |
| GROUP ASSOCIATES, INC.3 Filed as: GROUP ASSOCIATES, INC | 30800 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 1.04% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | 100 N TYRON STREET CHAROLETTE, NC 28202 | UPMC HEALTH OPTIONS | $87 | — | $87 | 1.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $4.0M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $3.9M |
| CONDUENT NONE | Recordkeeping fees; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) 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; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary Service code 12 | — | $3.0M |
| CIGNA BEHAVIORAL HEALTH INC. EIN 41-1648670 NONE | Contract Administrator; Participant communication; Direct payment from the plan; Claims processing Service code 12 | — | $581K |
| SMITH EDWARDS DUNLOP EIN 23-0539350 NONE | Participant communication; Copying and duplicating Service code 36 | — | $431K |
| MAESTRO HEALTH EIN 38-2779844 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 15 | — | $304K |
| AETNA LIFE AND CASUALTY (BERMUDA) NONE | Other services Service code 49 | — | $49K |
| WILLIS TOWERS WATSON EIN 23-1195360 NONE | Consulting (general) Service code 16 | — | $16K |
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 | 25,215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 752 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 25,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(28 contracts, 20 carriers) | INDEPENDENCE BLUE CROSS | 9,184 | $85.0M |
| Dental(5 contracts, 5 carriers) | DELTA DENTAL OF PENNSYLVANIA | 39,462 | $19.6M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 21,668 | $9.5M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL | 593 | $989K |
| Prescription drug(9 contracts, 9 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,114 | $15.9M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 10,947 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39,462 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.