| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INSURANCE GROUP, LLC | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $52K | $52K | 1.98% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $55K | — | $55K | 7.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $27K | — | $27K | 3.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 199 WATER STREET 12TH FLOOR NEW YORK, NY 10038 | RELIASTAR LIFE INSURANCE COMPANY | $27K | — | $27K | 3.57% |
| CUENCA & ASSOCIATED INS. AGENCY INC3 | 2990 INNSBRUCK DRIVE REDDING, CA 96003 | RELIASTAR LIFE INSURANCE COMPANY | — | $19K | $19K | 2.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 2.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN GENERAL INSURANCE COMPANY | $13K | — | $13K | 11.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 121 RIVER STREET FLOOR 5 HOBOKEN, NJ 07030 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $2K | $2K | 1.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $611 | $611 | 0.53% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE TOWSON, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $401 | $7 | $408 | 15.25% |
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 | 10,552 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 11,326 | $1.3M |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 12,650 | $2.6M |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 12,650 | $2.6M |
| Other(5 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 12,866 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,866 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.