| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $631K | $404K | $1.0M | 1.79% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SOLUTION LLC | 1BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 1.75% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48314 | HARTFORD LIFE AND ACCIDENT | $124K | — | $124K | 20.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1BACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.77% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | -$1K | $2K | 0.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES EIN 36-2685608 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $1.8M |
| MERCER HEALTH & BENEFITS LLC NONE | Direct payment from the plan; Actuarial Service code 11 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10017 | $44K |
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 | 46,625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45,008 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 91,633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,035 | $1.1M |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 91,633 | $135.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,801 | $619K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 91,633 | $135.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91,633 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.