| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $53 | — | $53 | 0.00% |
| CAMMACK HEALTH LLC3 | PO BOX 419587 BOSTON, MA 02241 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $68K | $90K | 4.70% |
| AON CONSULTING INC7 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO OF NY | — | $6K | $6K | 0.34% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18K | $18K | 1.04% |
| CAMMACK HEALTH LLC3 | PO BOX 419587 BOSTON, MA 02241 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $58K | $6K | $64K | 5.53% |
| AON CONSULTING INC7 Filed as: AON HEWITT | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO. OF NY | — | $6K | $6K | 0.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | $128 | $12K | 1.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | — | AIG PROPERTY CASUALTY US | — | $24K | $24K | 15.00% |
| AON CONSULTING INC7 | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| AON CONSULTING INC7 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8 | $8 | 8.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE INC EIN 23-7391136 NONE | Claims processing; Contract Administrator; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.5M |
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 | 24,006 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 24,006 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 45 | $371K |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,685 | $11.7M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 7,164 | $355K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,433 | $3.2M |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NY | 16,152 | $987K |
| Other(6 contracts, 5 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 24,006 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,006 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.