| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | — | $92 | $92 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 4.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | PO BOX 101162 PASADENA, CA 91189 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 6.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 18101 VON KARMAN AVE, 6TH FLOOR IRVINE, CA 92612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 2.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 1.23% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 4.45% |
| FLEXVISION - MD3 | 15400 CALHOUN DRIVE ROCKVILLE, MD 20855 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $1K | $1K | 3.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | PO BOX 101162 PASADENA, CA 91189 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $18 | — | $18 | 0.34% |
| FLEXVISION - MD3 | 15400 CALHOUN DR ROCKVILLE, MD 20855 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $8 | $8 | 0.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | PO BOX 101162 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $69 | $69 | — |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 47 | $283K |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 961 | $336K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 768 | $38K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 359 | $283K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 359 | $283K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 359 | $283K |
| Prescription drug | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 47 | $283K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 412 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.