| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYST INC | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $240K | $240K | 1.75% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYST INC | 101 PARK AVE FL 14 NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $227K | $227K | 1.69% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $264K | — | $264K | 2.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE, 10TH FLOOR MIAMI, FL 33131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55 | — | $55 | 0.00% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYST INC | 101 PARK AVE FL 14 NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $110K | $110K | 1.69% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC D/B/A INT INS BRK | 2300 CONTRA COASTA BLVD, STE 375 PLEASANT HILL, CA 945233976 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.09% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYST INC | 101 PARK AVE FL 14 NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $44K | $44K | 1.60% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ZURICH AMERICAN INSURANCE COMPANY | $84K | — | $84K | 20.00% |
| STEPHEN CONSTANTS3 | 2021 MONTICELLO DR ANNAPOLIS, MD 21401 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $17K | — | $17K | 5.18% |
| MILOPS INSURANCE SERVICES, INC.3 Filed as: MILOPS INSURANCE SERVICES | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $72 | — | $72 | 0.02% |
| JOHN MIKE COLLINS3 | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $72 | — | $72 | 0.02% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYST INC | 101 PARK AVE FL 14 NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.39% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH SALDANA | PO BOX 9023549 SAN JUAN, PR 009023549 | MCS LIFE INSURANCE COMPANY | $1K | — | $1K | 4.85% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYST INC | 101 PARK AVE FL 14 NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $99 | $99 | 1.68% |
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 | 43,618 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 691 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 44,346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,085 | $13.6M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12,546 | $10.7M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 68,083 | $14.5M |
| Life insurance(5 contracts) | SECURIAN LIFE INSURANCE COMPANY | 43,602 | $22.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 870 | $301K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 29,783 | $13.7M |
| Prescription drug | EXPRESS SCRIPTS | 69 | $318K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $410K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 55,599 | $10.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 68,083 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.