| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY, INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | HARTFORD LIFE & ACCIDENT | $54K | — | $54K | 0.89% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY, INC. | P.O. BOX 905494 CHARLOTTE, NC 28290 | HARTFORD LIFE & ACCIDENT | $0 | $31K | $31K | 0.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DR., DEPT. 1926 NORTHERN TRUST BANK CHICAGO, IL 60675 | HARTFORD LIFE & ACCIDENT | $0 | $20K | $20K | 0.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - CHICAGO | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS BIRMINGHAM | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.18% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL INC. | 115 OFFICE PARK DRIVE STE 200 BIRMINGHAM, AL 35223 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 555 EAST LANCASTER AVENUE STE. 300 RADNOR, PA 19087 | HARTFORD LIFE & ACCIDENT | $0 | $725 | $725 | 11.64% |
| RAKESTRAW, HARLEY S.3 | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY | $15 | $0 | $15 | — |
| SALOME, JOSEPH, MICHAEL3 | 3475 PIEDMONT RD. N.E. STE 1200 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - CHICAGO | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 N/A | Claims processing Service code 12 | — | $2.8M |
| MAGELLAN HEALTHCARE EIN 52-2135463 N/A | Claims processing Service code 12 | — | $348K |
| CVS CAREMARK EIN 05-0340626 N/A | Claims processing Service code 12 | — | $167K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 N/A | Claims processing Service code 12 | — | $123K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 N/A | Claims processing Service code 12 | — | $116K |
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 | 6,163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 441 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 49 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 6,653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 7,442 | $1.0M |
| Life insurance | HARTFORD LIFE & ACCIDENT | 18,598 | $6.1M |
| Long-term disability(4 contracts, 4 carriers) | HARTFORD LIFE & ACCIDENT | 18,598 | $6.1M |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 6,023 | $664K |
| Other(2 contracts) | HARTFORD LIFE & ACCIDENT | 18,598 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,598 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.