| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC. | $63K | — | $63K | 1.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $15K | $15K | 0.45% |
| PETER J WORTH3 Filed as: PETER WORTH | 99 PARK AVE. STE 2500 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 0.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH | PO BOX 27447 NEW YORK, NY 100877447 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33K | $33K | 1.95% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER VOLUNTARY BENEFITS | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 1.85% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE, INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 1.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 1.91% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $13K | — | $13K | 9.25% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 NEW YORK, NY 10087 | VISION SERVICE PLAN | $13K | — | $13K | 9.98% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE, INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 9.98% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $5K | — | $5K | 9.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 LOCK BOX 28852 NEW YORK, NY 100878852 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 9.92% |
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 | 2,751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,346 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 87 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 380 | $8.0M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 314 | $211K |
| Vision(6 contracts, 5 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,005 | $1.1M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,020 | $5.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,020 | $3.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,020 | $3.4M |
| Prescription drug(3 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 380 | $6.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 6,020 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,020 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.