| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | PO BOX 905494 CHARLOTTE, NC 282905494 | FIRST UNUM LIFE INSURANCE COMPANY | $125K | — | $125K | 0.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | — | $33K | $33K | 0.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-NEW YORK | PO BOX 905494 CHARLOTTE, NC 282905494 | FIRST UNUM LIFE INSURANCE COMPANY | $154K | $65K | $219K | 2.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | — | $26K | $26K | 0.24% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $228K | $12K | $240K | 18.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 13-3670795 NONE | Claims processing Service code 12 | — | $375K |
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 | 21,036 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,291 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 27,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5,128 | $1.9M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 33,236 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 22,357 | $13.6M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 20,434 | $10.6M |
| Other(4 contracts, 3 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH,PA | 21,036 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,236 | — |
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.