| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH USA, INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $222K | $222K | 2.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS LLC | 125 OTTAWA AVE NW STE 400 CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $168K | — | $168K | 1.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | — | $38K | 0.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $66K | — | $66K | 4.80% |
| USI INSURANCE SERVICES LLC7 Filed as: USI INSURANCE SERVICES NA | 1350 TREAT BLVD, STE 550 WALNUT CREEK, CA 94597 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $23K | $49K | 5.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $289 | $13K | 5.11% |
| USI INSURANCE SERVICES LLC7 Filed as: USI INSURANCE SERVICES NA | 1350 TREAT BLVD, STE 550 WALNUT CREEK, CA 94597 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $4K | $9K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $297 | — | $297 | 0.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA US HEALTH CARE EIN 06-6033492 CONTRACT ADMINISTRATION | Direct payment from the plan; Contract Administrator Service code 13 | — | $4.0M |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 CLAIMS ADMINISTRATOR | Claims processing; Participant communication; Contract Administrator Service code 12 | — | $3.0M |
| LIMEADE, INC. EIN 06-1771116 CONSULTING | Direct payment from the plan; Employee (plan); Consulting fees Service code 30 | — | $1.2M |
| EXPRESS SCRIPTS EIN 22-3461740 CLAIMS PROCESSING | Claims processing Service code 12 | — | $843K |
| MERCER EIN 34-2015463 CONSULTANT | Direct payment from the plan; Contract Administrator; Participant communication Service code 13 | — | $454K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $398K |
| HEALTH ADVOCATE EIN 23-3080019 CONTRACT ADMINISTRATION | Direct payment from the plan; Participant communication; Contract Administrator Service code 13 | — | $263K |
| WAGEWORKS INC. EIN 20-0198855 COBRA ADMINSTRATION | Direct payment from the plan; Claims processing Service code 12 | — | $185K |
| BUDCO EIN 38-1622051 CONSULTANT | Claims processing Service code 12 | — | $179K |
| GROUND ROUND INC. EIN 45-3580052 CONSULTANT | Contract Administrator Service code 13 | — | $136K |
| HEWITT ASSOCIATES, INC. EIN 36-2235791 HMO ADMINISTRATOR | Direct payment from the plan; Consulting fees Service code 50 | — | $60K |
| ELLIOTT DAVIS, LLC EIN 57-0381582 ACCOUNTING | Consulting fees; Direct payment from the plan Service code 50 | — | $59K |
| DAY & NIGHT PRINTING EIN 54-1180870 PRINTING | Copying and duplicating; Participant communication Service code 36 | — | $30K |
| SAN FRANCISCO CITY OPTION | Other fees Service code 99 | — | $8K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 TRUSTEE | 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 | 24,072 | 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) | 24,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 421 | $4.5M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,105 | $6.2M |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 42,535 | $14.9M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 174 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12,327 | $5.6M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 24,231 | $5.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,535 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.