| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 4951 LAKE BROOK DR STE 300 GLEN ALLEN, VA 23060 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $31 | $50K | 5.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $836 | $16K | 1.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 1787 SENTRY PKWY W STE 300 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | — | $331 | $331 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVENUE OF AMERICAS 22ND FLOOR NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF TENNESSEE-WILLIS TOWERS | WATSON 29982 NETWORK PLACE CHICAGO, IA 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 10.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | UNKNOWN RICHMOND, VA 23219 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 7.31% |
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 | 1,107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 445 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 709 | $3.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $34K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 709 | $3.6M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,244 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,079 | $421K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $34K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,244 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,244 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.