| 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 | — | $335K | $335K | 1.69% |
| WILLIS TOWERS WATSON US LLC3 | SVCS WEST INC PO BOX 101162 PASADENA, CA 911890001 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $83K | — | $83K | 2.13% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $59K | $59K | 1.79% |
| BENEFIT DESIGN SPECIALISTS, INC.3 Filed as: BENEFIT DESIGN SPECIALISTS | 600 WILSON LANE STE 200 MECHANICSBURG, PA 17055 | AXIS INSURANCE COMPANY | $332K | — | $332K | 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 | $21K | — | $21K | 12.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $6.1M |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 INVEST MANAGER | Investment management fees paid directly by plan Service code 51 | — | $496K |
| MEDICAL MUTUAL SERVICES EIN 34-1922587 NONE | Claims processing Service code 12 | — | $76K |
| PRUDENTIAL INSURANCE COMPANY OF AME EIN 22-1211670 NONE | Other services; Other fees Service code 49 | — | $43K |
| BROWN & BROWN ABSENCE SERVICE GROUP NONE | Other fees; Other services Service code 49 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | $10K |
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 | 12,099 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,958 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 22,052 | $7.2M |
| Vision | VISION SERVICE PLAN | 6,252 | $2.5M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 34,480 | $23.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 11,006 | $3.9M |
| Other(3 contracts, 3 carriers) | AXIS INSURANCE COMPANY | 12,082 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,480 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.