| 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 | — | $42K | $42K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $112 | $112 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $3K | $34K | 19.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPYREAN BENEFIT SOLUTIONS, INC EIN 20-3029813 NONE | Actuarial Service code 11 | — | $959K |
| SPEILMAN, KOENIGSBERG & PARKER LLP EIN 13-3367751 PRFRMS SVS FOR PL. SPONSR | Accounting (including auditing) Service code 10 | — | $476K |
| METROPOLITAN LIFE INSURANCE CO. EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $399K |
| AON HEWITT ASSOCIATES LLC EIN 36-2235791 PRFRMS SVS FOR PL. SPONSR | Actuarial Service code 11 | — | $68K |
| BUCHBINDER TUNICK& CO. LLP EIN 13-1578842 PRFRMS SVS FOR REL. PLANS | Accounting (including auditing) Service code 10 | — | $58K |
| WRITE ON TARGET, INC. EIN 31-1431575 NONE | Actuarial Service code 11 | — | $55K |
| EXECUTIVE MEDICAL SERVICES P.C. EIN 22-3712962 NONE | Actuarial Service code 11 | — | $19K |
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 | 11,220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 1,632 | $11.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,492 | $621K |
| Vision | VISION SERVICE PLAN | 6,320 | $1.3M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 657 | $11.4M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 7,864 | $2.1M |
| Other | CCA, INC. | 10,563 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,563 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.