| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 199 WATER STREET, 12TH FLOOR NEW YORK, NY 10038 | HCC LIFE INSURANCE COMPANY | — | $28K | $28K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $95 | $95 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $2K | $28K | 22.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPYREAN BENEFIT SOLUTIONS, INC EIN 20-3029813 NONE | Actuarial Service code 11 | — | $688K |
| SPEILMAN, KOENIGSBERG & PARKER LLP EIN 13-3367751 PRFRMS SVS FOR PL. SPONSR | Accounting (including auditing) Service code 10 | — | $391K |
| METROPOLITAN LIFE INSURANCE CO. EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $337K |
| BUCK GLOBAL LLC NONE | Consulting (general) Service code 16 | 420 LEXINGTON AVENUE NEW YORK, NY 10170 | $112K |
| BUCHBINDER TUNICK & CO. LLP EIN 13-1578842 PRFRMS SVS FOR REL. PLANS | Accounting (including auditing) Service code 10 | — | $53K |
| AON HEWITT ASSOCIATES LLC EIN 36-2235791 PRFRMS SVS FOR PL. SPONSR | Actuarial Service code 11 | — | $49K |
| WRITE ON TARGET, INC. NONE | Actuarial Service code 11 | 7941 WASHINGTON WOODS DRIVE WASHINGTON TOWNSHIP, OH 45459 | $37K |
| EXECUTIVE MEDICAL SERVICES P.C. EIN 22-3712962 NONE | Actuarial Service code 11 | — | $19K |
| MERCER HEALTH & BENEFITS LLC EIN 34-2015463 NONE | Actuarial Service code 11 | — | $13K |
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 | 10,738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 1,235 | $4.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,133 | $526K |
| Vision | VISION SERVICE PLAN | 5,527 | $1.2M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 513 | $3.9M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 7,030 | $1.4M |
| Other(2 contracts, 2 carriers) | CCA, INC. | 10,225 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,225 | — |
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.