| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | FIRST UNUM LIFE INSURANCE COMPANY | — | $10K | $10K | 2.00% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $11K | $11K | 2.28% |
| AMERICAN BENEFITS AND COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | FIRST UNUM LIFE INSURANCE COMPANY | — | $9K | $9K | 2.00% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTAT | PO BOX 1313 ORLANDO, FL 32802 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 0.50% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.09% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.28% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS | ADMINISTRATION LLC 1 INVERSTORS WAY MAILSTOP N-5-C NORWOOD, MA 02062 | AETNA LIFE INSURANCE CO. | $40K | — | $40K | 30.51% |
| COUCH BRAUNSDORF AFFINITY, INC.3 | 2561 TERRITORIAL ROAD ST. PAUL, MN 55114 | METROPOLITAN PROPERTY AND CASUALITY INSURANCE CO. | $8K | — | $8K | 11.02% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.09% |
| AMERICAN BENEFITS AND COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | FIRST UNUM LIFE INSURANCE COMPANY | $357 | $143 | $500 | 1.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA INTERNATIONAL | $5K | — | $5K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FL NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | — | $2K | 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 | 1,959 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,061 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 44 | $210K |
| Life insurance(4 contracts) | SECURIAN LIFE INSURANCE COMPANY | 2,254 | $862K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,293 | $530K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 2,863 | $468K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 44 | $210K |
| Other(9 contracts, 6 carriers) | SECURIAN LIFE INSURANCE COMPANY | 2,254 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,863 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.