| 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% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPLITAN LIFE INSURANCE COMPANY | — | $49K | $49K | 1.05% |
| AON CONSULTING INC7 Filed as: AON HEWITT | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO. OF NY | — | $6K | $6K | 0.31% |
| AON CONSULTING INC7 Filed as: AON HEWITT | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $6K | $6K | 0.44% |
| AON CONSULTING INC7 Filed as: AON HEWITT | — | CIGNA LIFE INSURANCE CO OF NY | — | $9K | $9K | 1.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AIG PROPERTY CASUALTY US | — | $24K | $24K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOISE ASSURANCE INC EIN 23-7391136 NONE | Other commissions; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Insurance brokerage commissions and fees; Float revenue; Contract Administrator; Insurance agents and brokers Service code 12 | — | $2.3M |
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 | 12,683 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 12,683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,187 | $12.7M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 12,498 | $595K |
| Life insurance | METROPLITAN LIFE INSURANCE COMPANY | 12,772 | $4.7M |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NY | 12,683 | $2.1M |
| Other(4 contracts, 4 carriers) | METROPLITAN LIFE INSURANCE COMPANY | 12,772 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,772 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.