| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $152K | $152K | 1.33% |
| IGBS CORPORATION3 | 4844 E ONYX AVE PARADISE VALLEY, AZ 852531032 | METROPOLITAN LIFE INSURANCE COMPANY | — | $145K | $145K | 1.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST FL 6 ATTN JAMES PEDERSON SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | — | $111 | $111 | 0.00% |
| IGBS CORPORATION3 | 10645 N TATUM BLVD STE 200-465 PHOENIX, AZ 85028 | METLIFE LEGAL PLANS | $85K | — | $85K | 10.04% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | METLIFE LEGAL PLANS | — | $23K | $23K | 2.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 1.31% |
| IGBS CORPORATION3 | 4844 E ONYX AVE PARADISE VALLEY, AZ 852531032 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.35% |
| IGBS CORPORATION3 | 4844 E ONYX AVE PARADISE VALLEY, AZ 852531032 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.53% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | — | TRIPLE-S SALUD INC | $6K | — | $6K | 5.00% |
| ZURICH AGENCY SERVICES3 | 7045 COLLEGE BLVD OVERLAND PARK, KS 66211 | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES INC EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $5.5M |
| CVS PHARMACY, INC. EIN 05-0340626 CLAIMS PROCESSOR | Contract Administrator Service code 13 | — | $686K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $623K |
| CENTIVO EIN 30-1095511 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $94K |
| PROGYNY, INC. EIN 27-2220139 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $54K |
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 | 13,092 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 701 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLANS, INC | 199 | $3.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 12,720 | $16.5M |
| Vision | VISION SERVICE PLAN | 10,724 | $3.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 23,886 | $11.4M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 919 | $909K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 919 | $738K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 23,886 | $12.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,886 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.