| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 75 STATE STREET 17TH FLOOR BOSTON, MA 02109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $29K | $29K | 0.47% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 75 STATE ST STE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $104K | $104K | 2.27% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | — | $35K | $35K | 2.13% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $89K | $18K | $106K | 11.60% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | PO BOX 860470 STE 3800 MINNEAPOLIS, MN 55486 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27K | $27K | 2.91% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $8K | $49K | 11.19% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W MONROE STREET SUITE 3800 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 3.02% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 75 STATE ST, STE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.26% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLIATAN LIFE INSURANCE COMPANY | $21K | $4K | $25K | 10.79% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | PO BOX 860470 STE 3800 MINNEAPOLIS, MN 55486 | METROPOLIATAN LIFE INSURANCE COMPANY | — | $6K | $6K | 2.69% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 8.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 3.33% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $265 | $53 | $318 | 14.97% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $117 | $23 | $140 | 14.17% |
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 | 13,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(15 contracts, 11 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,752 | $4.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 8,605 | $6.2M |
| Vision(4 contracts) | EYEMED VISION CARE | 8,408 | $1.2M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 20,632 | $4.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 13,033 | $1.6M |
| Other(4 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 20,632 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,632 | — |
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.