| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 0.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 0.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.00% |
| RETENTION STRATEGIES INSURANCE CORP4 Filed as: RETENTION STRATEGICS INC. | 409 SAN JORGE SAN JUAN, PR 009123313 | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | $13K | — | $13K | 6.00% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA BOSTON, MA 02241 | ARAG INSURANCE COMPANY | $14K | — | $14K | 6.60% |
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 | 47,836 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 47,907 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | 47 | $359K |
| Vision | VISION SERVICE PLAN | 10,045 | $775K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 13,282 | $1.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,352 | $1.6M |
| Prescription drug(2 contracts, 2 carriers) | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | 47 | $359K |
| Other | ARAG INSURANCE COMPANY | 1,788 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,282 | — |
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.