| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | — | $67K | $67K | 2.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $54K | $54K | 1.73% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | -$61K | -$61K | -1.95% |
| AON CONSULTING INC3 Filed as: AON | ONE LIBERTY PLAZA 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $10K | — | $10K | 20.00% |
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 | 4,518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 451 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 164 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 249 | $217K |
| Dental(2 contracts) | AETNA LIFE INSURANCE CO. | 683 | $175K |
| Vision(4 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 2,932 | $427K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 6,056 | $3.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6,056 | $3.1M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEATLH PLAN OF GEORGIA | 178 | $2.3M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 32,000 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,000 | — |
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.