| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFIT CONSULTING LLC3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $241K | $241K | 1.59% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $289K | $289K | 2.19% |
| AMERICAN BENEFIT CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $108K | $108K | 1.59% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $177K | $177K | 3.19% |
| AMERICAN BENEFIT CONSULTING LLC3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $45K | $45K | 1.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ZURICH AMERICAN INSURANCE COMPANY | $85K | — | $85K | 20.00% |
| STEPHEN CONSTANTS3 | 2021 MONTICELLO DR ANNAPOLIS, MD 21401 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $22K | — | $22K | 5.35% |
| JOHN MIKE COLLINS3 | 740 CORDOVA CIRCLE THE VILLAGES, FL 32162 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| MILOPS INSURANCE SERVICES, INC.3 | 174 TUTTLES GROVE ROAD BEAUFORT, NC 28516 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| AMERICAN BENEFIT CONSULTING LLC3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | PO BOX 9023549 SAN JUAN, PR 009023549 | MCS LIFE INSURANCE COMPANY | $2K | — | $2K | 4.95% |
| AMERICAN BENEFIT CONSULTING LLC3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $77 | $77 | 1.59% |
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 | 41,012 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 563 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 462 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 42,037 | 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 | 77,228 | $4.8M |
| Dental(12 contracts, 12 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 77,228 | $4.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 62,701 | $5.6M |
| Life insurance(5 contracts) | SECURIAN LIFE INSURANCE COMPANY | 42,292 | $25.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $209K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 26,901 | $13.2M |
| Prescription drug | EXPRESS SCRIPTS, INC | 8 | $52K |
| Stop-loss / reinsurancereinsurance(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 77,228 | $5.0M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 77,228 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 77,228 | — |
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.