| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $91K | $91K | 2.83% |
| EBGC LLC3 | PO BOX 1702 RUTHERFORD, NJ 07070 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1350 TREAT BLVD, STE 500 WALNUT CREEK, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $85K | $85K | 3.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | $27 | $64K | 2.95% |
| EBCG LLC3 | PO BOX 1702 RUTHERFORD, NJ 070700702 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26K | $26K | 1.21% |
| EBCG LLC3 | PO BOX 1702 RUTHERFORD, NJ 070700702 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 0.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $443 | $443 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 1.23% |
| EBCG LLC3 | PO BOX 1702 RUTHERFORD, NJ 07070 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $27 | $47K | 8.29% |
| EBGC LLC3 | PO BOX 1702 RUTHERFORD, NJ 07070 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 1.68% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.10% |
| EBGC LLC3 | PO BOX 1702 RUTHERFORD, NJ 07070 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.34% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.24% |
| EBCG LLC3 | PO BOX 1702 RUTHERFORD, NJ 070700702 | METROPOLITAN LIFE INSURANCE COMPANY | — | $366 | $366 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 1350 TREAT BLVD STE 500 WALNUT CREEK, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $155 | — | $155 | — |
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 | 12,476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 12,573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12,365 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $1.7M |
| Life insurance(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,503 | $6.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,503 | $2.2M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,159 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,159 | — |
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.