| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 333 S SEVENTH STREET #1400 MINNEAPOLIS, MN 55402 | HIGHMARK | $91K | — | $91K | 0.04% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM BLUE CROSS LIFE AND HEALTH I | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $7.5M | $7.5M | 7.20% |
| EXPRESS SCRIPTS, INC.3 Filed as: EXPRESS SCRIPTS, INC | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $1.7M | $1.7M | 1.62% |
| CAREMARK3 Filed as: CAREMARK-ARCELORMITTAL | — | CAREMARK-ARCELORMITTAL | — | $6.5M | $6.5M | 8.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | $118K | $34K | $152K | 1.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER AND COMPANY INC | — | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | $46K | $14K | $60K | 0.73% |
| SAGEWELL PARTNERS INC3 Filed as: SAGEWELL PARTNERS, INC. | — | HM LIFE INSURANCE COMPANY | $80K | $0 | $80K | 5.00% |
| DAVIS VISION3 | 175 E. HOUSTON STREET 5TH FLOOR SAN ANTONIO, TX 78205 | DAVIS VISION | — | $72K | $72K | 6.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | HARTFORD LIFE AND ACCIDENT | $35K | — | $35K | 3.32% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | — | $21K | $21K | 1.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 1.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTRAL DATA SERVICES, INC. EIN 25-1352803 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.3M |
| DIANE PICKLE EIN 23-1317409 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $91K |
| MARGARET BIBB EIN 23-1317409 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $70K |
| MORIAH JAMROM EIN 23-1317409 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $62K |
| INNOVEST PORTFOLIO SOLUTIONS EIN 84-1612955 NONE | Direct payment from the plan; Investment management fees paid directly by plan; Consulting fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment advisory (plan) Service code 15 | — | $53K |
| ANNE MCFARLAND EIN 23-1317409 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $49K |
| RICHMOND CAPITAL MANAGEMENT EIN 54-1288566 NONE | Investment management; Direct payment from the plan Service code 28 | — | $39K |
| BREDHOFF & KAISER EIN 52-0969534 NONE | Legal; Direct payment from the plan Service code 29 | — | $37K |
| MCELHANEY & ASSOCIATES, LLC EIN 38-3806684 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $36K |
| GALLAGHER NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | 444 LIBERTY AVENUE SUITE 805 PITTSBURGH, PA 15222 | $20K |
| AMERISERV TRUST & FINANCIAL SERVICE EIN 25-1689052 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $14K |
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 | 49,108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,773 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 57,881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK | 96,072 | $360.7M |
| Dental(3 contracts, 2 carriers) | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | 32,606 | $8.4M |
| Vision(2 contracts, 2 carriers) | DAVIS VISION | 32,930 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 34,790 | $2.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 10,354 | $1.1M |
| Prescription drug(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 48,507 | $244.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 10,354 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96,072 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.