| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFIT CONSULTING LLC | 101 PARK AVE FL 14 NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $248K | $248K | 1.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $241K | — | $241K | 2.99% |
| AMERICAN BENEFIT CONSULTING LLC3 | 101 PARK AVE FL 14 NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $109K | $109K | 1.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $103K | $103K | 2.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY RD STE 800 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | — | $52 | $52 | 0.00% |
| AMERICAN BENEFIT CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $44K | $44K | 1.56% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 94111 | METLIFE LEGAL PLANS | $69K | — | $69K | 4.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CENTERP | PO BOX 511398 LOS ANGELES, CA 90051 | METLIFE LEGAL PLANS | — | $25K | $25K | 1.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD INSURANCE BROKERS & CONSUL | ONE CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 95111 | METLIFE LEGAL PLANS | — | $2K | $2K | 0.11% |
| STEPHAN SCEROLER Filed as: STEPHAN CONSTANTS | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $26K | — | $26K | 6.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ZURICH AMERICAN INSURANCE COMPANY | $70K | — | $70K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | PO BOX 9023549 SAN JUAN, PR 00902 | MCS LIFE INSURANCE COMPANY | $3K | — | $3K | 4.95% |
| AMERICAN BENEFIT CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $581 | $581 | 1.65% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY RD STE 800 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | $52 | $82K | 592.18% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41K | $41K | 300.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY RD STE 800 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $65K | $52 | $65K | 600.33% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, GA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33K | $33K | 306.15% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32 | $32 | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | POBOX511398 LOS ANGELES, CA 90051 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD INSURANCE BROKERS & CONSUL | ONE CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 95111 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | — |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22K | $22K | — |
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 | 39,990 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 641 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 504 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 41,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 742 | $8.8M |
| Dental(15 contracts, 14 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 71,078 | $38.0M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 60,342 | $13.1M |
| Life insurance(4 contracts) | SECURIAN LIFE INSURANCE COMPANY | 40,375 | $25.5M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Prescription drug | EXPRESS SCRIPTS, INC | 36 | $198K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 71,078 | $29.0M |
| Other(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 71,078 | $38.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 71,078 | — |
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.