| 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 | $18K | $58K | $76K | 2.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 199 WATER STREET 12TH FLOOR NEW YORK, NY 10038 | RELIASTAR LIFE INSURANCE COMPANY | $24K | — | $24K | 2.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 1.09% |
| 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 | 10.00% |
| 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 | 1.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION | PO BOX 850502 MINNEAPOLIS, MA 55485 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $663 | $663 | 0.39% |
| USI INSURANCE SERVICES LLC3 | 711 EAST MAIN STRET SUITE201 CHICOPEE, MA 01020 | HARTFORD LIFE AND ACCIDENT | $1K | $271 | $2K | 23.90% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE TOWSON, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $401 | $22 | $423 | 15.81% |
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 | 13,100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 11,253 | $1.4M |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 13,113 | $3.7M |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 13,113 | $3.7M |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 13,113 | $3.7M |
| Other(6 contracts, 6 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 13,113 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,113 | — |
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.