| 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 | $171K | $132K | $303K | 4.16% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 1.83% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.83% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.83% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $473 | $473 | 1.83% |
| 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% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $142 | $142 | 1.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE KNOWN | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.2M |
| CVS PHARMACY, INC. EIN 05-0340626 NONE KNOWN | Contract Administrator; Direct payment from the plan Service code 13 | — | $627K |
| BENEFIT COMMUNICATIONS, INC. EIN 62-1110266 NONE KNOWN | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $330K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE KNOWN | Claims processing; Direct payment from the plan; Consulting (general); Contract Administrator Service code 12 | — | $301K |
| WRITE ON TARGET NONE KNOWN | Participant communication; Direct payment from the plan; Other services Service code 38 | 7941 WASHINGTON WOODS DRIVE CENTERVILLE, OH 45459 | $129K |
| HUMANA, INC. EIN 27-1649291 NONE KNOWN | Direct payment from the plan; Consulting (general) Service code 16 | — | $82K |
| CONSOVA CORPORATION EIN 14-1884313 NONE KNOWN | Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $58K |
| TANGO HEALTH INC EIN 26-2060323 NONE KNOWN | Direct payment from the plan; Other services Service code 49 | — | $51K |
| GUIDESPARK, INC. EIN 26-2229814 NONE KNOWN | Other services; Direct payment from the plan Service code 49 | — | $42K |
| THE AYCO COMPANY, L.P. NONE KNOWN | Consulting (general); Direct payment from the plan Service code 16 | 1301 W LONG LAKE RD, #360 TROY, MI 48098 | $12K |
| CONSUMER WELLNESS SOLITIONS, INC. EIN 20-0231080 NONE KNOWN | Other fees; Direct payment from the plan Service code 50 | — | $8K |
| WELLNESS HEALTH CHECK NONE KNOWN | Consulting (general); Direct payment from the plan Service code 16 | 9325 NAGLE AVENUE MORTON GROVE, IA 60053 | $6K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE KNOWN | Float revenue; Direct payment from the plan; Custodial (securities); Trustee (directed) Service code 19 | — | $630 |
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 | 5,917 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,981 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 18,907 | $7.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 18,907 | $7.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 18,907 | $7.3M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 121 | $34K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,229 | $816K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,907 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,907 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.