| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $323K | $323K | 1.60% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $227K | — | $227K | 5.91% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $52K | $52K | 1.49% |
| BENEFIT DESIGN SPECIALISTS, INC.3 Filed as: BENEFIT DESIGN SPECIALISTS | 600 WILSON LANE STE 200 MECHANICSBURG, PA 17055 | AXIS INSURANCE COMPANY | $339K | — | $339K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMN LLC | PO BOX 310502 DES MOINES, IA 50331 | GENWORTH LIFE INSURANCE COMPANY | $20K | — | $20K | 11.81% |
| BENEFIT DESIGN SPECIALISTS, INC.3 Filed as: BENEFIT DESIGN SPECIALISTS | 600 WILSON LANE, SUITE 200 MECHANICSBURG, PA 17055 | AXIS INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue; Other services Service code 12 | — | $6.0M |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 INVEST MANAGER | Investment management fees paid directly by plan Service code 51 | — | $461K |
| MEDICAL MUTUAL SERVICES EIN 34-1922587 NONE | Claims processing Service code 12 | — | $82K |
| PRUDENTIAL INSURANCE COMPANY OF AME EIN 22-1211670 NONE | Other services; Other fees Service code 49 | — | $48K |
| THE ADVOCATOR GROUP NONE | Other services; Other fees Service code 49 | 101 EDGEWATER DRIVE, SUITE 260 WAKEFIELD, MA 01880 | $17K |
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 | 12,088 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17,864 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 29,952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF OHIO | 21,917 | $7.5M |
| Vision | VISION SERVICE PLAN | 6,158 | $2.6M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 35,291 | $23.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 10,970 | $3.8M |
| Other(4 contracts, 3 carriers) | AXIS INSURANCE COMPANY | 14,000 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35,291 | — |
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."
No prospect flags tripped on this filing.