| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | — | $18K | $18K | 2.24% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 2.19% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $23K | $2K | $25K | 13.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | — | $986 | $986 | 0.52% |
| INNOVATIVE COST MANAGEMENTS SVCS3 | 2121 PALOMAR AIRPORT ROAD SUITE 204 CARLSBAD, CA 92011 | METLIFE LEGAL PLANS | — | $178 | $178 | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.42% |
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 | 4,344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 1,273 | $9.8M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 3,870 | $823K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,819 | $366K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 1,273 | $9.8M |
| Other(4 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 4,035 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,035 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.