| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFIT CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $243K | $243K | 1.62% |
| AMERICAN BENEFIT CONSULTING LLC3 | 101 PARK AVE FL 14 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $262K | $262K | 1.99% |
| AMERICAN BENEFIT CONSULTING LLC3 | 101 PARK AVE FL 14 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $164 | $164 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $265K | — | $265K | 2.98% |
| AMERICAN BENEFIT CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $108K | $108K | 1.62% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $80K | $80K | 1.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY RD STE 800 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $968K | — | $968K | 19.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $72K | $72K | 1.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY RD STE 800 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $776K | — | $776K | 20.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $58K | $58K | 1.50% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC D/B/A INTEGRO INSUR | 3333 PIEDMONT RD NE STE 1400 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $17 | — | $17 | 0.00% |
| AMERICAN BENEFIT CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $45K | $45K | 1.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 94111 | METLIFE LEGAL PLANS | $71K | — | $71K | 4.22% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | POBOX511398 LOS ANGELES, CA 90051 | METLIFE LEGAL PLANS | — | $19K | $19K | 1.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD INSURANCE BROKERS & CONSUL | ONE CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 95111 | METLIFE LEGAL PLANS | — | $5K | $5K | 0.28% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 94111 | METLIFE LEGAL PLANS | — | $2K | $2K | 0.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 94104 | METLIFE LEGAL PLANS | -$2K | — | -$2K | -0.15% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ZURICH AMERICAN INSURANCE COMPANY | $85K | — | $85K | 20.00% |
| STEPHAN SCEROLER3 Filed as: STEPHAN CONSTANTS | 2021 MONTICELLO DR ANNAPOLIS, MD 21401 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $22K | — | $22K | 5.32% |
| AMERICAN BENEFIT CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | PO BOX 9023549 SAN JUAN, PR 00902 | MCS LIFE INSURANCE COMPANY | $2K | — | $2K | 4.95% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $346 | $346 | 1.99% |
| AMERICAN BENEFIT CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $1 | $1 | 2.70% |
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 | 40,371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 802 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 276 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 41,449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 75,274 | $20.1M |
| Dental(14 contracts, 13 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 75,274 | $11.8M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 60,800 | $14.2M |
| Life insurance(5 contracts) | SECURIAN LIFE INSURANCE COMPANY | 40,621 | $24.6M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,644 | $2.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 27,075 | $13.1M |
| Prescription drug | EXPRESS SCRIPTS, INC | 44 | $221K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 75,274 | $1.9M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 75,274 | $12.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75,274 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.