| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSC AGENCY LLC3 | PO BOX 850411 MINNEAPOLIS, MN 55485 | HARTFORD LIFE AND ACCIDENT | $469K | — | $469K | 7.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SVCS HOUSTON LLC | 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | $100K | $23K | $123K | 1.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULT. INC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $30K | $30K | 0.44% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | — | $23K | $23K | 0.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 0.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SVCS HOUSTON LLC | 1120 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | CONSULTING INC FOUR EMBARADERO CENTER, STE 400 SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $765 | — | $765 | 0.23% |
| BUSINESSSOLVER.COM, INC.3 Filed as: BUSINESSSOLVER.COM INC | PO BOX 850411 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS | $24K | — | $24K | 8.62% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM,INC. | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | — | $6K | $6K | 2.34% |
| BSC AGENCY LLC3 | PO BOX 850411 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS | $4K | — | $4K | 1.46% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | PO BOX 310411 DES MONIES, IA 50331 | METLIFE LEGAL PLANS | -$2K | $2K | $419 | 0.15% |
| BUSINESSSOLVER.COM, INC.3 Filed as: BUSINESSSOLVER COM INC | LLC 500 PLAZA DRIVE BUCK CONSULTANTS SECAUCUS, NJ 70963 | METLIFE LEGAL PLANS | — | $2 | $2 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $3.6M |
| CIGNA HEALTH & LIFE INS COMPANY EIN 59-1031071 CLAIMS PROCESSING | Other services; Float revenue; Contract Administrator; Named fiduciary; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $193K |
| CIGNA | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Claims processing; Non-monetary compensation; Named fiduciary; Float revenue Service code 12 | — | $0 |
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 | 11,321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 367 | $1.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,005 | $524K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 9,508 | $669K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 12,054 | $6.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 12,054 | $6.7M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 12,054 | $7.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,054 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.