| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPRING INSURANCE GROUP LLC3 | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | ZURICH AMERICAN LIFE INSURANCE COMPANY | — | $144K | $144K | 4.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 E RANDOLPH STREET CHICAGO, IL 606016436 | RELIASTAR LIFE INSURANCE COMPANY | $109K | — | $109K | 10.97% |
| THE FARMINTON INSURANCE AGENCY, INC3 | 99 FOX HILL ROAD PO BOX 665 HOLDEN, MA 01520 | RELIASTAR LIFE INSURANCE COMPANY | $70K | — | $70K | 7.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 12421 MEREDITH DRIVE SUITE MHB URBANDALE, IA 503989001 | RELIASTAR LIFE INSURANCE COMPANY | $62K | — | $62K | 6.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $17K | — | $17K | 10.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $2K | $2K | 1.38% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD BUILDING C SOUTH PORTLAND, ME 04106 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 20.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 601 UNION STREET SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | — | $156 | $156 | 2.25% |
| RCM AND D3 Filed as: RCM&D | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $414 | — | $414 | 15.02% |
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 | 11,932 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 10,697 | $1.3M |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 9,960 | $3.3M |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 9,960 | $3.3M |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 9,960 | $3.3M |
| Other(7 contracts, 7 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 12,757 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,757 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.