| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS, LLC 75 STATE STREET, SUITE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | $104K | $182K | 2.90% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11 | $11 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH EXECUTIVE BENEFITS INC | PO BOX 27447 NEW YORK, NY 100877447 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $65K | — | $65K | 7.17% |
| RICHARD GEORGE SUTER3 | 99 HIGH STREET BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $43K | — | $43K | 4.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 27447 NEW YORK, NY 100877447 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $22K | — | $22K | 2.47% |
| RICHARD A ST JEAN3 Filed as: RICHARD A ST. JEAN JR | 101 FEDERAL STREET SUITE 800 BOSTON, MA 021102038 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $12K | $4K | $16K | 1.78% |
| GREGG A ANDERSON3 | 6065 SE MARINER SANDS DRIVE STUART, FL 349978029 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH FINANCIAL INSURANCE SERVICES | 99 HIGH STREET BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.27% |
| RICHARD A ST JEAN3 Filed as: RICHARD ST. JEAN | 101 FEDERAL STREET SUITE 800 BOSTON, MA 021102038 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $588 | $588 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH EXECUTIVE BENEFITS INC | PO BOX 27447 NEW YORK, NY 100877447 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $76 | — | $76 | 0.01% |
| CRAIG J MILLETT3 | 101 FEDERAL STREET SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $23 | — | $23 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INSURANCE AND INVESTMENTS COR | PO BOX 27449 NEW YORK, NY 10087 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $16 | — | $16 | 0.00% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $147K | $6K | $153K | 17.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $6K | $51K | 5.64% |
| BENEFIT FOCUS COM INC3 Filed as: BENEFIT FOCUS STORE, INC. | 100 BENEFIT FOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $80K | $7K | $87K | 11.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $2K | $19K | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS, LLC 321 N CLARK STREET, SUITE 940 CHICAGO, IL 60654 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $14K | — | $14K | 15.00% |
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 | 15,064 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 279 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 534 | $6.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $1.7M |
| Vision(2 contracts) | EYEMED VISION CARE | 27,897 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 27,211 | $6.3M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 14,935 | $6.4M |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 27,211 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,897 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.