| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $102K | $32K | $134K | 1.81% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $31K | $103K | 1.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.44% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.42% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12 | $12 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $757 | $757 | 0.44% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $746 | $746 | 0.43% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $685 | $685 | 0.44% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $683 | $683 | 0.43% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $249 | $249 | 0.46% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $175 | $175 | 0.33% |
| 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 | $4K | — | $4K | 25.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $59 | $59 | 0.55% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $39 | $39 | 0.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE KNOWN | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.3M |
| 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 | — | $340K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE KNOWN | Consulting (general); Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $308K |
| WRITE ON TARGET NONE KNOWN | Participant communication; Other services; Direct payment from the plan Service code 38 | 7941 WASHINGTON WOODS DRIVE CENTERVILLE, OH 45459 | $107K |
| 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 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 15 | — | $53K |
| TANGO HEALTH INC EIN 26-2060323 NONE KNOWN | Other services; Direct payment from the plan Service code 49 | — | $52K |
| GUIDESPARK, INC. EIN 26-2229814 NONE KNOWN | Direct payment from the plan; Other services Service code 49 | — | $44K |
| THE AYCO COMPANY, L.P. EIN 33-1187432 NONE KNOWN | Other services; Direct payment from the plan Service code 49 | — | $8K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE KNOWN | Direct payment from the plan; Trustee (directed); Custodial (securities); Float revenue 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 | 5,584 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,929 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,611 | $898K |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 17,887 | $7.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 17,887 | $7.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 17,887 | $7.4M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $64K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,156 | $835K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,887 | $7.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,887 | — |
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.