| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $27K | $27K | 2.43% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $10K | $10K | 2.43% |
| AMERICAN BENEFITS CONSULTING LLC3 Filed as: AMERICAN BENEFITS CONSULTING, LLC | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.30% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS | ADMINISTRATION LLC 1 INVERSTORS WAY MAILSTOP N-5-C NORWOOD, MA 02062 | AETNA LIFE INSURENCE CO. | $81K | — | $81K | 46.89% |
| COUCH BRAUNSDORF AFFINITY, INC.3 | 2561 TERRITORIAL ROAD ST. PAUL, MN 55114 | METLIFE LEGAL PLANS | $16K | — | $16K | 9.94% |
| AMERICAN BENEFITS CONSULTING LLC3 Filed as: AMERICAN BENEFITS CONSULTING, LLC | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.50% |
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 | 2,895 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,189 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,084 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 493 | $2.6M |
| Life insurance(4 contracts) | SECURIAN LIFE INSURANCE COMPANY | 3,504 | $1.8M |
| Long-term disability | LINCOLN NATIONAL LIFE ASSURANCE COMPANY | 2,492 | $819K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 493 | $2.6M |
| Other(8 contracts, 5 carriers) | SECURIAN LIFE INSURANCE COMPANY | 3,872 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,872 | — |
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.