| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $49 | $49 | 0.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUECROSS BLUESHIELD OF TENNESSEE | 1 CAMERON HILL DRIVE CHATTANOOGA, TN 37402 | FOUR EVER LIFE INS. CO | — | $78K | $78K | 1.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METLIFE EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $13.1M |
| BCBS OF TENNESSEE EIN 36-3739783 NONE | Claims processing; Contract Administrator Service code 12 | — | $5.7M |
| GEOBLUE (WORLD WISE INS. SERVICES) EIN 23-2903313 NONE | Insurance services Service code 23 | — | $4.8M |
| EYEMED (FIDELITY SECURITY INS.) EIN 43-0949844 NONE | Insurance services Service code 23 | — | $2.9M |
| TAKE CARE HEALTH EIN 73-1201287 NONE | Insurance services Service code 23 | — | $1.7M |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 NONE | Claims processing; Contract Administrator Service code 12 | — | $874K |
| OPTUM EIN 33-0441200 NONE | Contract Administrator; Claims processing Service code 12 | — | $796K |
| MEDIFIT EIN 23-3339492 NONE | Other services Service code 49 | — | $695K |
| MAGELLAN EIN 52-2135463 NONE | Claims processing; Contract Administrator Service code 12 | — | $669K |
| MERCER EIN 13-2834414 NONE | Consulting (general) Service code 16 | — | $611K |
| THE REED GROUP (GUARDIAN LIFE) EIN 13-5123390 NONE | Claims processing; Contract Administrator Service code 12 | — | $515K |
| BEST DOCTOR EIN 04-2908444 NONE | Contract Administrator Service code 13 | — | $486K |
| DELOITTE CONSULTING, LLP EIN 06-1454513 NONE | Accounting (including auditing) Service code 10 | — | $348K |
| HEALTHCARE 21 EIN 62-1709733 NONE | Consulting (general) Service code 16 | — | $331K |
| COMPREHENSIVE HEALTH SERVICES EIN 52-1044628 NONE | Other services Service code 49 | — | $256K |
| PLUS ONE HOLDING EIN 13-3613705 NONE | Other services Service code 49 | — | $217K |
| CHANGE HEALTHCARE EIN 26-1147719 NONE | Other services Service code 49 | — | $206K |
| PSG CONSULTING EIN 27-2345574 NONE | Consulting (general) Service code 16 | — | $149K |
| REDBRICK HEALTH CORPORATION EIN 20-5250594 NONE | Contract Administrator Service code 13 | — | $106K |
| JOHNS HOPKINS EIN 52-1899357 NONE | Other services Service code 49 | — | $93K |
| HEWITT EIN 36-2235791 NONE | Consulting (general) Service code 16 | — | $44K |
| HAWAII MEDICAL EIN 99-0040115 NONE | Contract Administrator; Claims processing Service code 12 | — | $31K |
| LBMC EIN 62-1199757 NONE | Accounting (including auditing) Service code 10 | — | $28K |
| WORKDAY EIN 20-2480422 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $24K |
| J. MARLIN PRODUCTIONS EIN 20-2822289 NONE | Other services Service code 49 | — | $14K |
| ECOMPANY STORE, LLC EIN 27-2217190 NONE | Other services Service code 49 | — | $7K |
| NORTHERN TRUST EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $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 | 17,114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,506 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS. CO | 319 | $4.9M |
| Dental | FOUR EVER LIFE INS. CO | 319 | $4.9M |
| Vision(2 contracts, 2 carriers) | FOUR EVER LIFE INS. CO | 19,245 | $7.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 18,006 | $13.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 18,006 | $13.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 18,006 | $13.9M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,580 | $14.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,245 | — |
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.