| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14K | $14K | 2.00% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVE 14 FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $8K | $8K | 2.21% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.25% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $60K | — | $60K | 29.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMINISTRATION LLC 1 INVERSTORS WAY MAILSTOP N-5-C NORWOOD, MA 02062 | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 8.44% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $16K | — | $16K | 9.97% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 1.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | $0 | $206 | $206 | 0.13% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVE 14TH FL 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.21% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| AMERICAN BENEFIT & COMP SYSTEMS3 | 99 PARK AVE FL 25 NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $60 | — | $60 | 11.03% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $338 | — | $338 | — |
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 | 6,556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 240 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 73 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,869 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 928 | $7.8M |
| Life insurance(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,955 | $2.5M |
| Short-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 358 | $67K |
| Long-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,480 | $712K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 928 | $7.8M |
| Other(9 contracts, 7 carriers) | SECURIAN LIFE INSURANCE COMPANY | 3,955 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,955 | — |
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.