| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | $99K | — | $99K | 1.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET STREET, SUITE 1100 ST. LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE KNOWN | Direct payment from the plan; Contract Administrator Service code 13 | — | $2.3M |
| CVS CAREMARK NONE KNOWN | Contract Administrator; Direct payment from the plan Service code 13 | 2211 SANDERS RD NORTHBROOK, IL 60062 | $256K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE KNOWN | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $179K |
| WRITE ON TARGET, INC. NONE KNOWN | Consulting (general); Direct payment from the plan Service code 16 | 7941 WASHINGTON WOODS DRIVE CENTERVILLE, OH 45459 | $113K |
| BUSINESS COMMUNICATIONS, INC. NONE KNOWN | Direct payment from the plan; Consulting (general) Service code 16 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | $110K |
| HARRIS ROTHENBERG INTERNATIONAL,INC EIN 27-1649291 NONE KNOWN | Consulting (general); Direct payment from the plan Service code 16 | — | $76K |
| TANGO HEALTH NONE KNOWN | Contract Administrator; Direct payment from the plan Service code 13 | 9430 RESEARCH BLVD, BLDG 4, STE 200 AUSTIN, TX 78759 | $62K |
| GUIDESPARK, INC. NONE KNOWN | Consulting (general); Direct payment from the plan Service code 16 | 1400A SEAPORT BLVD, SUITE 500 REDWOOD CITY, CA 94063 | $50K |
| CONSOVA CORPORATION EIN 14-1884313 NONE KNOWN | Direct payment from the plan; Consulting (general) Service code 16 | — | $41K |
| ALERE WELLBEING NONE KNOWN | Direct payment from the plan; Consulting (general) Service code 16 | 51 SAWYER ROAD SUITE 200 WALTHAM, MA 02453 | $17K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE KNOWN | Direct payment from the plan; Custodial (securities); Float revenue; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $3K |
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 | 5,515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,909 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 18,920 | $6.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 18,920 | $6.2M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 18,920 | $6.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 102 | $16K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,259 | $788K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,920 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,920 | — |
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.