| 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 | — | $17K | $17K | 1.83% |
| IGBS CORPORATION3 | 4844 E ONYX AVE PARADISE VALLEY, AZ 852531032 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.16% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | — | TRIPLE SALUD, INC | $2K | — | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES INC EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $840K |
| CVS PHARMACY, INC EIN 05-0340626 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $312K |
| PRUDENTIAL INSURANCE CO. EIN 22-1211670 NONE | Investment management; Other investment fees and expenses Service code 28 | — | $275K |
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 | 3,575 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5,478 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,053 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE SALUD, INC | 14 | $57K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 33 | $10K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 952 | $2.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 690 | $912K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 952 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.