| 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 | — | $343K | $343K | 1.74% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $71K | — | $71K | 1.64% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $52K | $52K | 1.80% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMINSTRATOR | — | AXIS INSURANCE COMPANY | $326K | — | $326K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | GENWORTH LIFE INSURANCE COMPANY | $27K | — | $27K | 11.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Claims processing; Other services; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $7.1M |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 INVEST MANAGER | Investment management fees paid directly by plan Service code 51 | — | $499K |
| MEDICAL MUTUAL SERVICES EIN 34-1922587 NONE | Claims processing Service code 12 | — | $60K |
| PRUDENTIAL INSURANCE COMPANY OF AME EIN 22-1211670 NONE | Other services; Other fees Service code 49 | — | $35K |
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 | 11,688 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17,374 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 29,062 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 22,794 | $7.7M |
| Vision | VISION SERVICE PLAN | 6,492 | $2.4M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 32,853 | $22.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 11,358 | $4.4M |
| Other(3 contracts, 3 carriers) | AXIS INSURANCE COMPANY | 12,431 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,853 | — |
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.