| 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 | — | $33 | $33 | 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 | $162K | — | $162K | 10.74% |
| ALIGHT SOLUTIONS3 | P.O. BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF AMERICA | — | $81K | $81K | 5.37% |
| 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 | $123K | — | $123K | 10.77% |
| ALIGHT SOLUTIONS3 | P.O. BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $61K | $61K | 5.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.01% |
| 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 | $44K | — | $44K | 5.39% |
| ALIGHT SOLUTIONS3 | P.O. BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $44K | $44K | 5.39% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY, INC. | 333 WEST 34TH STREET NEW YORK, NY 10001 | METLIFE LEGAL PLANS, INC. | $50K | — | $50K | 12.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2 | $2 | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS LLC EIN 36-2235791 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $22.4M |
| CIGNA HEALTHCARE EIN 06-1252419 NONE | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Non-monetary compensation; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $6.7M |
| NISA INVESTMENT ADVISORS L.L.C. EIN 48-1140940 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $689K |
| CARE OPERATIVE LLC EIN 20-8981027 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $307K |
| SIBSON CONSULTING EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $274K |
| WILLIS TOWERS WATSON EIN 26-0775680 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $184K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Float revenue Service code 21 | — | $97K |
| 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 | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $60K |
| MERCER EIN 13-2834414 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $42K |
| HEALTH EFX EIN 46-1243269 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $39K |
| PRINCIPAL EIN 51-0099493 NONE | Other services; Direct payment from the plan Service code 49 | — | $24K |
| SCHIELE GRAPHICS EIN 36-2430120 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $24K |
| SPECIALTIES FINISHING GROUP EIN 36-3709207 NONE | Direct payment from the plan; Other services Service code 49 | — | $9K |
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 | 13,691 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,669 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES | 18 | $97K |
| Dental(10 contracts, 10 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,517 | $1.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 62,415 | $15.9M |
| Other(9 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 62,415 | $20.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 62,415 | — |
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.