| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $32K | — | $32K | 1.47% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL E BLVD. STE 1000 RICHMOND, VA 23230 | HARTFORD LIFE AND ACCIDENT | $6K | $16K | $22K | 1.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 39030 TREASURY CENTER CHICAGO, IL 60694 | DELTA DENTAL OF TENNESSEE | $30K | — | $30K | 1.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1801 WEST END AVE, SUITE 1400 NASHVILLE, TN 37203 | DELTA DENTAL OF TENNESSEE | $21K | — | $21K | 1.25% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $1K | $18K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 4900 LIBBIE MILL E BLVD SUITE 100 RICHMOND, VA 23230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $13K | $17K | 1.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $15K | — | $15K | 2.34% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $10K | — | $10K | 1.66% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 5.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $252 | $7K | 3.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 4900 LIBBIE MILL E BLVD SUITE 100 RICHMOND, VA 23230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $2K | $3K | 1.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 6.90% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 6.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 5.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $3K | $572 | $4K | 7.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $266 | $2K | 4.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 220 WEST MAIN STREET, SUITE 1800 LOUISVILLE, KY 40202 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $71 | $71 | 0.13% |
| CALVO'S INSURANCE UNDERWRITERS, INC3 | P.O. BOX FJ HAGATNA, GU 96932 | TOKIO MARINE PACIFIC INSURANCE LTD. | $959 | — | $959 | 2.00% |
| AON CONSULTING INC3 Filed as: AON RISK OF SERVICES OF PR | 304 PONCE DE LEON AVENUE SAN JUAN, PR 00918 | TRIPLE S SALUD, INC. | $725 | — | $725 | 2.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | CITY VIEW PLAZA-TORRE I, SUITE 700 #48 RD. 165 KM. 1.2 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $518 | — | $518 | 2.08% |
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 | 4,220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TOKIO MARINE PACIFIC INSURANCE LTD. | 6 | $73K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF TENNESSEE | 5,333 | $1.8M |
| Vision | VISION SERVICE PLAN | 1,736 | $631K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,220 | $976K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 12,702 | $2.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 12,702 | $2.2M |
| Prescription drug(2 contracts, 2 carriers) | TOKIO MARINE PACIFIC INSURANCE LTD. | 6 | $73K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,220 | $458K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,702 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.