| 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 | $114K | — | $114K | 1.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 0.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $39K | — | $39K | 5.01% |
| 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 | $19K | — | $19K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 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 | — | $396 | $396 | 0.16% |
| 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 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $173 | — | $173 | 0.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA US HEALTH CARE EIN 06-6033492 CONTRACT ADMINISTRATION | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.8M |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator; Participant communication; Direct payment from the plan Service code 12 | — | $1.9M |
| LIMEADE, INC. EIN 06-1771116 CONSULTING | Direct payment from the plan; Employee (plan); Consulting fees Service code 30 | — | $664K |
| MERCER EIN 34-2015463 CONSULTANT | Contract Administrator; Participant communication; Direct payment from the plan Service code 13 | — | $473K |
| EXPRESS SCRIPTS EIN 22-3461740 CLAIMS PROCESSING | Direct payment from the plan; Claims processing Service code 12 | — | $330K |
| CIGNA BEHAVIORAL HEALTH EIN 41-1648670 CONTRACT ADMINISTRATION | Participant communication; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $234K |
| HEALTH ADVOCATE EIN 23-3080019 CONTRACT ADMINISTRATION | Participant communication; Direct payment from the plan; Contract Administrator Service code 13 | — | $132K |
| CONEXIS EIN 20-0198855 COBRA ADMINISTATION | Claims processing; Direct payment from the plan Service code 12 | — | $100K |
| HEWITT ASSOCIATES, INC. EIN 36-2235791 HMO ADMINISTRATOR | Consulting fees; Direct payment from the plan Service code 50 | — | $87K |
| ELLIOTT DAVIS DECOSIMO, LLC EIN 57-0381582 ACCOUNTING | Direct payment from the plan; Consulting fees Service code 50 | — | $51K |
| BUDCO EIN 38-1622051 CONSULTANT | Claims processing; Direct payment from the plan Service code 12 | — | $39K |
| DAY & NIGHT PRINTING EIN 54-1180870 PRINTING | Direct payment from the plan; Copying and duplicating; Participant communication Service code 36 | — | $13K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan 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 | 13,372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 356 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,728 | 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 | 3,770 | $3.3M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,289 | $3.9M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 98 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,894 | $3.6M |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14,340 | $10.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,340 | — |
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.