| 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 | $0 | $175K | $175K | 1.63% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GP SOUTHEAS | D/B/A COVALA GROUP 40WALLSTSUITE1304 NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | $554K | $82K | $636K | 32.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $110K | — | $110K | 5.66% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GP SOUTHEAS | 3445 PEACHTREE RD NE ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $81 | — | $81 | 0.00% |
| 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 | $18K | — | $18K | 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 | 22,191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 279 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 22,470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 21,901 | $10.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,627 | $4.6M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 22,191 | $12.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,191 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.