| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $103K | $103K | 1.70% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVE, FL 30 PITTSBURGH, PA 152222602 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21K | $21K | 0.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 800 MARKET STREET, STE 1800 ST LOUIS, MO 631010000 | FEDERAL INSURANCE COMPANY | $11K | — | $11K | 20.00% |
No Schedule C service providers reported on this filing.
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 | 6,782 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,195 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 17,980 | $6.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 17,980 | $6.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 17,980 | $6.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 17,980 | $6.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,980 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,980 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.