| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN | P.O. BOX 4125 CHURCH STREET STATION NEW YORK, NY 102614125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $163K | — | $163K | 10.00% |
| TEMPO HOLDINGS COMPANY LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $82K | $82K | 5.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN | P.O. BOX 4125 CHURCH STREET STATION NEW YORK, NY 102614125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $121K | — | $121K | 10.00% |
| TEMPO HOLDINGS COMPANY LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $60K | $60K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $100 | $100 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$612 | -$612 | -0.06% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN | P.O. BOX 4125 CHURCH STREET STATION NEW YORK, NY 102614125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 5.00% |
| TEMPO HOLDINGS COMPANY LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $43K | $43K | 5.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY, INC. | 333 WEST 34TH STREET NEW YORK, NY 10001 | METLIFE LEGAL PLANS, INC. | $52K | — | $52K | 8.99% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL GROUP INC | PO BOX 4058N NEW YORK, NY 10261 | METLIFE LEGAL PLANS, INC. | — | $4 | $4 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $171 | — | $171 | 1.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $9 | $9 | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32 | — | $32 | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS LLC EIN 36-2235791 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $23.3M |
| CIGNA HEALTHCARE EIN 06-1252419 NONE | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication Service code 12 | — | $6.1M |
| NISA INVESTMENT ADVISORS L.L.C. EIN 48-1140940 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $661K |
| SIBSON CONSULTING EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $260K |
| CARE OPERATIVE LLC EIN 20-8981027 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $244K |
| TOKIO MARINE EIN 35-1817054 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $209K |
| WILLIS TOWERS WATSON EIN 26-0775680 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $154K |
| BDO USA, P.C. EIN 13-5381590 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $61K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Float revenue Service code 21 | — | $53K |
| PRINCIPAL EIN 51-0099493 NONE | Other services; Direct payment from the plan Service code 49 | — | $14K |
| ERNST & YOUNG US LLP EIN 34-6565596 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $12K |
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 | 13,185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 118 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 9 | $99K |
| Dental(10 contracts, 10 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,206 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 55,913 | $15.5M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,847 | $273K |
| Other(9 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 55,913 | $20.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 55,913 | — |
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.