| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 28198 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $63K | $0 | $63K | 8.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 9465 NEW YORK, NY 10087 | NIPPON LIFE INSURANCE COMPANY | $25K | $0 | $25K | 7.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 28198 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $0 | $18K | 8.50% |
| LTC SOLUTIONS, INC.3 Filed as: LTC SOLUTIONS | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | TRUSTMARK LIFE INSURANCE COMPANY | $5K | $0 | $5K | 18.64% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS, INC. | $1K | $13 | $1K | 4.32% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | DBA CORESTREAM 3606 ENTERPRISE AVE, STE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS, INC. | $1K | $0 | $1K | 4.27% |
| EMPOWER BENEFITS INC3 | DBA CORESTREAM 5100 TAMIAMI TRAIL SUITE 103 NAPLES, FL 34103 | METLIFE LEGAL PLANS, INC. | $0 | $267 | $267 | 1.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS, INC. | $0 | $20 | $20 | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMINISTRATION LLC PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS, INC. | $0 | $8 | $8 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | $3K | $0 | $3K | 25.00% |
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 | 1,618 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 99 | $3.3M |
| Dental | NIPPON LIFE INSURANCE COMPANY | 21 | $335K |
| Vision | NIPPON LIFE INSURANCE COMPANY | 21 | $335K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,594 | $766K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,072 | $215K |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 99 | $3.3M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,983 | $622K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,627 | $803K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,983 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.