| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVE FL 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $178K | $178K | 1.83% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GP SOUTHEAS | D/B/A COVALA GROUP 1 EXCHANGE PLAZA SUITE 701 NEW YORK, NY 10006 | METROPOLITAN LIFE INSURANCE COMPANY | $441K | $0 | $441K | 29.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $92K | $0 | $92K | 6.07% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GP SOUTHEAS | 3445 PEACHTREE RD NE ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $771 | $0 | $771 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1168 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $24K | — | $24K | 20.00% |
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 | 19,724 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 248 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 19,972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 19,742 | $9.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,149 | $4.1M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,742 | $11.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,742 | — |
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."
No prospect flags tripped on this filing.