| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | MINNESOTA LIFE INSURANCE COMPANY | $126K | $93K | $219K | 5.17% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $168K | $0 | $168K | 4.83% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $42K | $42K | 2.20% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $73K | $0 | $73K | 12.08% |
| WILLIS TOWERS WATSON US LLC | COM LOCKBOX 28852 P.O. BOX 28852 NEW YORK CITY, NY 10087 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.00% |
| WILLIS TOWERS WATSON US LLC | P.O. BOX 28852 NEW YORK, NY 10087 | ZURICH AMERICAN LIFE INSURANCE CO. | $0 | $22K | $22K | 3.87% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $61K | $0 | $61K | 12.91% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | $0 | $29K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | MINNESOTA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 5.20% |
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $478 | $16K | 20.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS HEALTH EIN 05-0340626 CLAIMS PROCESSOR-RX | Claims processing Service code 12 | — | $18.8M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR FSA/HSA | Other services; Claims processing Service code 12 | — | $8.3M |
| KAISER FOUNDATION HEALTH PLAN, INC EIN 94-1340523 CLAIMS PROCESSOR-MEDICAL | Claims processing; Other services Service code 12 | — | $1.0M |
| LYRA CLINICAL ASSOCIATES P.C. EIN 47-5645538 CARE COSTS/CLINICAL ADMIN | Direct payment from the plan; Other services Service code 49 | — | $571K |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 CLAIMS PROCESSOR-DENTAL | Claims processing Service code 12 | — | $362K |
| LYRA HEALTH, INC. EIN 47-2935915 WORK-LIFE/PLATFORM SERVIC | Other services; Direct payment from the plan Service code 49 | — | $119K |
| VISION SERVICE PLAN EIN 94-1632821 CLAIMS PROCESSOR - VISION | Claims processing Service code 12 | — | $71K |
| ANTHEM EIN 95-3760980 CLAIMS PROCESSOR - EAP | Claims processing Service code 12 | — | $41K |
| BSWIFT EIN 36-4391310 COBRA ADMINISTRATOR | Contract Administrator Service code 13 | — | $33K |
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 | 14,413 | 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) | 14,413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 22,856 | $6.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 14,289 | $3.5M |
| Other(9 contracts, 6 carriers) | DELTA DENTAL OF CALIFORNIA | 33,671 | $27.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,671 | — |
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."
No prospect flags tripped on this filing.