| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: IAS SERIES OF LOCKTON SPECIALTIES | 180 MONTGOMERY STREET SAN FRANCISCO, CA 941044205 | METROPOLITAN LIFE INSURANCE COMPANY | — | $86K | $86K | 1.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | RELIASTAR LIFE INSURANCE COMPANY | $272K | — | $272K | 22.00% |
| LOCKTON COMPANIES, LLC3 Filed as: IAS SERIES OF LOCKTON SPECIALTIES | 180 MONTCOMERY STREET SAN FRANCESCO, CA 941044205 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS, INC. | $8K | — | $8K | 8.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES-KS CITY SERIES | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS, INC. | $2K | $85 | $2K | 1.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES-MOUNTAIN W SERIES | PO BOX 17385 DEPARTMENT 999228 DENVER, CO 80217 | METLIFE LEGAL PLANS, INC. | — | $746 | $746 | 0.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS, INC. | — | $101 | $101 | 0.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 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 | 10,214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 91 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 146 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 18,058 | $7.0M |
| Vision | VISION SERVICE PLAN | 6,395 | $600K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 18,058 | $7.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 18,058 | $7.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 18,058 | $7.0M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 146 | $1.1M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,058 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,058 | — |
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.