| 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 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN | P.O. BOX 4058 CHURCH STREET STATION NEW YORK, NC 102614058 | LIFE INSURANCE COMPANY OF AMERICA | $115K | $6K | $121K | 8.85% |
| ALIGHT SOLUTIONS3 | P.O. BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $57K | $57K | 4.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $646 | $646 | 0.06% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN | P.O. BOX 4058 CHURCH STREET STATION NEW YORK, NY 102614058 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89K | $3K | $92K | 8.57% |
| ALIGHT SOLUTIONS3 | P.O. BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $45K | $45K | 4.13% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN | P.O. BOX 4058 CHURCH STREET STATION NEW YORK, NY 102614054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $4K | $37K | 4.78% |
| ALIGHT SOLUTIONS3 | P.O. BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $33K | $33K | 4.27% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EAST STATES INC | 333 WEST 34TH STREET NEW YORK, NY 10001 | HARTFORD FIRE INSURANCE COMPANY | — | $28K | $28K | 4.68% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY, INC. | 333 WEST 34TH STREET NEW YORK, NY 10001 | METLIFE LEGAL PLANS, INC. | $40K | — | $40K | 9.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS, INC. | — | $815 | $815 | 0.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8 | — | $8 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11 | — | $11 | 2.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $17.7M |
| CIGNA HEALTHCARE EIN 06-1252419 NONE | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing; Investment management fees paid indirectly by plan Service code 12 | — | $8.8M |
| ALIGHT SOLUTIONS LLC EIN 36-2235791 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $1.7M |
| NISA INVESTMENT ADVISORS L.L.C. EIN 48-1140940 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $780K |
| MERCER EIN 13-2834414 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $753K |
| WILLIS TOWERS WATSON EIN 26-0775680 NONE | Consulting (general) Service code 16 | — | $709K |
| SIBSON CONSULTING EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $284K |
| LIFE INSURANCE COMPANY OF NORTH AME EIN 23-1503749 NONE | Other services Service code 49 | — | $258K |
| CARE OPERATIVE LLC EIN 20-8981027 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $252K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Float revenue; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $115K |
| HEALTH EFX EIN 46-1243269 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $64K |
| BDO USA, P.C. EIN 13-5381590 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $61K |
| ERNST & YOUNG US LLP EIN 34-6565596 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $46K |
| SCHIELE GRAPHICS EIN 36-2430120 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $23K |
| PRINCIPAL EIN 51-0099493 NONE | Other services Service code 49 | — | $16K |
| NORWEST INVESTMENT MANAGEMENT EIN 41-1592157 NONE | Investment management Service code 28 | — | $10K |
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 | 13,274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,660 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,934 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES | 30 | $228K |
| Dental(9 contracts, 9 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,689 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 47,671 | $14.7M |
| Other(9 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 47,671 | $19.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,671 | — |
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.