| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| APTIA INSURANCE SERVICES GROUP, LLC3 | 125 HIGH ST BOSTON, MA 021102704 | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | $12K | — | $12K | 3.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 1.97% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING LLC | 1099 18TH ST SUITE 2870 DENVER, CO 80209 | HARTFORD LIFE AND ACCIDENT | — | $107 | $107 | 6.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740000 | HARTFORD LIFE AND ACCIDENT | $79 | — | $79 | 4.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BANK OF NEW YORK EIN 13-5160382 CUSTODIAN | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Investment management; Custodial (securities) Service code 19 | — | $50K |
| MERCER EIN 34-2015463 NONE | Consulting (general) Service code 16 | — | $34K |
| RBT EIN 14-1604297 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $14K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4008324 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $10K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 333 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 91 | $313K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $131K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 326 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.