| 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 | $162K | $108K | $271K | 4.02% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 372043709 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40K | $40K | 0.60% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 0.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 1.56% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | — | $563 | $563 | 0.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21 | $21 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.60% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | — | $151 | $151 | 0.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.57% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | — | $132 | $132 | 0.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.61% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | — | $103 | $103 | 0.16% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $316 | $316 | 1.43% |
| VERITAS RISK SERVICES3 | 3025 HIGHLAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.04% |
| 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% |
| 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 PHARMACY, INC. EIN 05-0340626 NONE KNOWN | Direct payment from the plan; Contract Administrator Service code 13 | — | $310K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE KNOWN | Consulting (general); Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $298K |
| 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 | — | $206K |
| WRITE ON TARGET NONE KNOWN | Other services; Participant communication; Direct payment from the plan Service code 38 | 7941 WASHINGTON WOODS DRIVE CENTERVILLE, OH 45459 | $96K |
| HRI DBA HUMANA WELLNESS EIN 27-1649291 NONE KNOWN | Direct payment from the plan; Consulting (general) Service code 16 | — | $78K |
| TANGO HEALTH INC. EIN 26-2060323 NONE KNOWN | Direct payment from the plan; Other services Service code 49 | — | $48K |
| CONSOVA CORPORATION EIN 14-1884313 NONE KNOWN | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $48K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $29K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE KNOWN | Direct payment from the plan; Custodial (securities); Float revenue; Trustee (directed) Service code 19 | — | $4K |
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 | 4,708 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,012 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 9 | $43K |
| Dental(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,333 | $6.9M |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,333 | $6.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 17,333 | $6.7M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $88K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,984 | $789K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,333 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,333 | — |
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."
No prospect flags tripped on this filing.