| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY, INC. | AON CONSULTING 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE & ACCIDENT | $46K | $0 | $46K | 0.75% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DR. #1446 CHICAGO, IL 60675 | HARTFORD LIFE & ACCIDENT | $0 | $21K | $21K | 0.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY, INC. | AON CONSULTING INC. 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE & ACCIDENT | $0 | -$30K | -$30K | -0.49% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | BCS INSURANCE COMPANY | $0 | $53K | $53K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - CHICAGO | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $185 | $0 | $185 | 0.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - BIRMINGH | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.09% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL, INC. | STE 200 115 OFFICE PARK DR. BIRMINGHAM, AL 35223 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE # 1446 CHICAGO, IL 60675 | HARTFORD LIFE & ACCIDENT | $0 | $1 | $1 | 0.02% |
| RAKESTRAW, HARLEY S.3 | MERCER HEALTH AND BENEFITS 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 N/A | Claims processing Service code 12 | — | $3.1M |
| MAGELLAN HEALTHCARE EIN 52-2135463 N/A | Claims processing Service code 12 | — | $360K |
| CVS CAREMARK EIN 05-0340626 N/A | Claims processing Service code 12 | — | $167K |
| DELTA DENTAL EIN 94-2761537 N/A | Claims processing Service code 12 | — | $129K |
| ASSURANT EMPLOYEE BENEFITS EIN 81-0170040 N/A | Claims processing Service code 12 | — | $110K |
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 | 6,516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 407 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 49 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 6,972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 115 | $19K |
| Vision | VISION SERVICE PLAN | 7,132 | $1.0M |
| Life insurance | HARTFORD LIFE & ACCIDENT | 27,742 | $6.1M |
| Long-term disability(4 contracts, 4 carriers) | HARTFORD LIFE & ACCIDENT | 27,742 | $6.2M |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 6,317 | $531K |
| Other(2 contracts) | HARTFORD LIFE & ACCIDENT | 27,742 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,742 | — |
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.