| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $659K | $393K | $1.1M | 1.80% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SOLUTION LLC | 1BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE GROUP | — | $18K | $18K | 2.29% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST SUITE 17100 BOSTON, MA 02108 | METROPOLITAN GENERAL INSURANCE COMPANY | $103K | $0 | $103K | 15.13% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | — | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $25K | $25K | 3.68% |
| FCA NORTH AMERICA HOLDINGS LLC3 | 1000 CHRYSLER DRIVE CIMS 485-12-30 AUBURN HILLS, MI 48326 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $11K | $11K | 1.61% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST SUITE 17100 BOSTON, MA 02108 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $1K | $1K | 0.22% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48314 | HARTFORD LIFE AND ACCIDENT | $127K | $0 | $127K | 20.00% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITIAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.35% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 2.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES EIN 36-2685608 NONE | Claims processing; Direct payment from the plan; Other services 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 | $43K |
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 | 45,464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43,997 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 89,461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE GROUP | 4,027 | $1.2M |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 89,841 | $140.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,639 | $637K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 89,841 | $142.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89,841 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.