| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $195K | $124K | $319K | 3.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | D/B/A STRATEGIC BENEFIT ADVIS 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 017722123 | METROPOLITAN LIFE INSURANCE COMPANY | $76 | $70K | $70K | 0.73% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $40K | $20K | $60K | 1.50% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $64K | $4K | $68K | 2.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 503310502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $199K | — | $199K | 28.58% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $78K | $78K | 15.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 310502 DES MOINES, IA 503310502 | METLIFE LEGAL PLANS | $49K | — | $49K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | $0 | $8K | $8K | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH @WORK SOLUTIONS | PO BOX 14496 DES MOINES, IA 50306 | METLIFE LEGAL PLANS | $0 | $24 | $24 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $780 | — | $780 | 11.00% |
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 | 7,737 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 268 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,005 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 17,044 | $9.6M |
| Vision | VISION SERVICE PLAN | 6,486 | $1.3M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7,930 | $4.0M |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 56 | $7K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,987 | $3.2M |
| Other(6 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11,457 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,044 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.