| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $1K | $1K | $1K | -4.5% |
| Broker comp per covered life | $4 | $13 | $22 | -66.0% |
| Broker comp % of premium | 0.4% | 1.8% | 1.6% | -1.4 pp |
| Retention rate | -0.1% | 0.0% | 0.1% | |
| Premium YoY % | -0.3% | 0.9% | 18.7% | -1.2 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | — | $450K | $450K | 1.65% |
| MERCER HUMAN RESOURCE CONSULTING3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $232K | $232K | 1.36% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $48 | $41K | 2.14% |
| MERCER H&B ADMINISTRATION LLC3 | P.O. BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS, INC. | $78K | — | $78K | 4.12% |
| SEABURY & SMITH/MARSH @WORK3 | P.O. BOX 10414 DES MOINES, IA 50306 | HYATT LEGAL PLANS, INC. | — | $40 | $40 | 0.00% |
| MERCER3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. | $3K | — | $3K | 12.35% |
No Schedule C service providers reported on this filing.
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 | 156,361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7,198 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,680 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165,239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 183,596 | $159.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 24,224 | $6.5M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 92,381 | $27.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 94,106 | $17.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 94,106 | $17.1M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 18,167 | $97.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,673 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183,596 | — |
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.