| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA0 Filed as: BLUE CROSS BLUE SHIELD TENNESSEE | 1 CAMERON HILL CHATTANOOGA, TN 37402 | FOUR EVER LIFE INS CO. | — | $55K | $55K | 1.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | PO BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS | $15K | $3K | $18K | 10.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METLIFE EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $14.0M |
| BCBS OF TENNESSEE EIN 36-3739783 NONE | Claims processing; Contract Administrator Service code 12 | — | $6.0M |
| GEOBLUE (WORLD WISE INS. SERVICES) EIN 23-2903313 NONE | Insurance services Service code 23 | — | $3.7M |
| EYEMED (FIDELITY SECURITY INS.) EIN 43-0949844 NONE | Insurance services Service code 23 | — | $3.0M |
| ALIGHT NONE | Consulting (general) Service code 16 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | $1.9M |
| PLUS ONE HOLDING EIN 13-3613705 NONE | Other services Service code 49 | — | $1.7M |
| TAKE CARE HEALTH EIN 73-1201287 NONE | Insurance services Service code 23 | — | $1.2M |
| BEACON EMPLOYEE ASSISTANCE NONE | Claims processing; Contract Administrator Service code 12 | 200 STATE STREET BOSTON, MA 02109 | $1.1M |
| OPTUM EIN 33-0441200 NONE | Claims processing; Contract Administrator Service code 12 | — | $905K |
| DELOITTE CONSULTING, LLP EIN 06-1454513 NONE | Accounting (including auditing) Service code 10 | — | $871K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 NONE | Contract Administrator; Claims processing Service code 12 | — | $623K |
| THE REED GROUP (GUARDIAN LIFE) EIN 13-5123390 NONE | Claims processing; Contract Administrator Service code 12 | — | $575K |
| BEST DOCTOR EIN 04-2908444 NONE | Contract Administrator Service code 13 | — | $398K |
| CHANGE HEALTHCARE EIN 26-1147719 NONE | Other services Service code 49 | — | $393K |
| COMPREHENSIVE HEALTH SERVICES EIN 52-1044628 NONE | Other services Service code 49 | — | $249K |
| MERCER EIN 13-2834414 NONE | Consulting (general) Service code 16 | — | $208K |
| ADVANCE MEDICAL NONE | Contract Administrator Service code 13 | 1250 HANCOCK STREET QUINCY, MA 02169 | $121K |
| PSG CONSULTING EIN 27-2345574 NONE | Consulting (general) Service code 16 | — | $119K |
| JOHNS HOPKINS EIN 52-1899357 NONE | Other services Service code 49 | — | $109K |
| MAGELLAN EIN 52-2135463 NONE | Claims processing; Contract Administrator Service code 12 | — | $103K |
| HAWAII MEDICAL EIN 99-0040115 NONE | Claims processing; Contract Administrator Service code 12 | — | $43K |
| LBMC EIN 62-1199757 NONE | Accounting (including auditing) Service code 10 | — | $29K |
| ECOMPANY STORE, LLC EIN 27-2217190 NONE | Other services Service code 49 | — | $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 | 18,611 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 454 | $3.7M |
| Dental | FOUR EVER LIFE INS CO. | 454 | $3.7M |
| Vision(5 contracts, 2 carriers) | FOUR EVER LIFE INS CO. | 26,844 | $6.8M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 40,689 | $14.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 40,689 | $14.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 40,689 | $14.1M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 40,689 | $14.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40,689 | — |
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.