| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC. | 1111 W DEKALB PIKE WAYNE, PA 19087 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $199K | — | $199K | 0.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $250K | $250K | 1.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $98K | $98K | 1.37% |
| AMERIHEALTH ADMINISTRATORS INC0 Filed as: INDEPENDENCE BLUE CROSS | 1901 MARKET STREET 10TH FLOOR PHILADELPHIA, PA 19103 | FOUR EVER LIFE INSURANCE CO. | — | $19K | $19K | 1.00% |
| AMERICAN BENEFITS CONSULTING LLC | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | ACE AMERICAN INSURANCE COMPANY | $70K | — | $70K | 10.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMN LLC | PO BOX 310502 DES MOINES, IA 50331 | ARAG INSURANCE COMPANY | $42K | — | $42K | 10.00% |
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 | 111,943 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,909 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,394 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 4,681 | $76.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 56,743 | $17.1M |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 103,741 | $9.9M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 165,291 | $42.9M |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 85,942 | $25.7M |
| Prescription drug(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 4,681 | $74.3M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 165,291 | $47.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165,291 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.