| 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 | $194K | $172K | $366K | 3.79% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $42K | $4K | $46K | 1.10% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $66K | $4K | $70K | 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 | $191K | — | $191K | 21.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 310502 DES MOINES, IA 503310502 | METLIFE LEGAL PLANS | $55K | — | $55K | 9.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | — | $5K | $5K | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH @WORK SOLUTIONS | PO BOX 14496 DES MOINES, IA 50306 | METLIFE LEGAL PLANS | — | $34 | $34 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | 121 RIVER STREET FLOOR 5 HOBOKEN, NJ 07030 | METLIFE LEGAL PLANS | — | $34 | $34 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $80K | $4K | $84K | 15.75% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $106 | $2K | 11.35% |
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 | 9,165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 334 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 189 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,688 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 16,860 | $9.7M |
| Vision | VISION SERVICE PLAN | 6,818 | $1.4M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,093 | $4.2M |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 58 | $17K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,383 | $3.3M |
| Other(6 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11,229 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,860 | — |
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."
No prospect flags tripped on this filing.