| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $123K | — | $123K | 1.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | — | $31K | 0.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $41K | — | $41K | 5.07% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SER. | 1350 TREAT BLVD SUITE 550 WALNUT CREEK, CA 94597 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC-CONTR | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $451 | $451 | 0.14% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SER. | 1350 TREAT BLVD, STE 550 WALNUT CREEK, CA 94597 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DOMINION DENTAL SERVICES, INC | $3K | — | $3K | 4.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $215 | — | $215 | 0.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA US HEALTH CARE EIN 06-6033492 CONTRACT ADMINISTRATION | Direct payment from the plan; Contract Administrator Service code 13 | — | $3.0M |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 CLAIMS ADMINISTRATOR | Participant communication; Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $1.9M |
| MERCER EIN 34-2015463 CONSULTANT | Participant communication; Direct payment from the plan; Contract Administrator Service code 13 | — | $778K |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 CLAIMS PROCESSING | Direct payment from the plan; Claims processing Service code 12 | — | $545K |
| STAYWELL HEALTH MANAGEMENT, LLC EIN 13-2890345 CONSULTANT | Consulting fees; Direct payment from the plan; Employee (plan) Service code 30 | — | $510K |
| CIGNA BEHAVIORAL HEALTH EIN 41-1648670 CONTRACT ADMINISTRATION | Claims processing; Participant communication; Direct payment from the plan; Contract Administrator Service code 12 | — | $250K |
| HEALTH ADVOCATE EIN 23-3080019 CONTRACT ADMINISTRATION | Participant communication; Contract Administrator; Direct payment from the plan Service code 13 | — | $141K |
| CONEXIS EIN 20-0198855 COBRA ADMINISTATION | Claims processing; Direct payment from the plan Service code 12 | — | $116K |
| HEWITT ASSOCIATES, INC. EIN 36-2235791 HMO ADMINISTRATOR | Consulting fees; Direct payment from the plan Service code 50 | — | $92K |
| BUDCO EIN 38-1622051 CONSULTANT | Direct payment from the plan; Claims processing Service code 12 | — | $45K |
| LIMEADE, INC. EIN 06-1771116 CONSULTING | Employee (plan); Direct payment from the plan; Consulting fees Service code 30 | — | $43K |
| MAYER HOFFMAN MCCANN PC EIN 43-1947695 CONSULTING | Direct payment from the plan; Consulting fees Service code 50 | — | $36K |
| DAY & NIGHT PRINTING EIN 54-1180870 PRINTING | Direct payment from the plan; Participant communication; Copying and duplicating Service code 36 | — | $9K |
| ELLIOTT DAVIS DECOSIMO, LLC EIN 57-0381582 ACCOUNTING | Consulting fees; Direct payment from the plan Service code 50 | — | $5K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $5K |
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 | 14,174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 303 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,908 | $3.9M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,491 | $4.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 22,392 | $7.9M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,555 | $4.7M |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 22,392 | $12.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,392 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.