| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $38K | $6K | $44K | 2.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - UTAH | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | MVP HEALTH CARE | $42K | — | $42K | 3.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTH CARE EIN 06-1413734 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $9.9M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 PLAN SPONSOR | Contract Administrator; Investment management fees paid indirectly by plan Service code 13 | — | $6.4M |
| AETNA EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $5.7M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $2.9M |
| ADP EIN 13-3036745 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.5M |
| WAGEWORKS EIN 94-3351864 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $398K |
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 | 19,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21,875 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 40,978 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 12 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,200 | $19.0M |
| Dental | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 111 | $100K |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 18,470 | $4.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,347 | $0 |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 195 | $1.0M |
| Other | BLUE CARE NETWORK OF MICHIGAN | 195 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,470 | — |
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.