| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $221K | $43K | $264K | 11.68% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 372043709 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 0.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.42% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.28% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.45% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.37% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $696 | $696 | 1.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 800 MARKET STREET SUITE 1800 ST. LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $1K | — | $1K | 25.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE KNOWN | Direct payment from the plan; Contract Administrator Service code 13 | — | $4.3M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE KNOWN | Direct payment from the plan; Consulting (general); Claims processing; Contract Administrator Service code 12 | — | $322K |
| BENEFIT COMMUNICATIONS, INC. EIN 62-1110266 NONE KNOWN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $190K |
| HRI DBA HUMANA WELLNESS EIN 27-1649291 NONE KNOWN | Consulting (general); Direct payment from the plan Service code 16 | — | $75K |
| HSA BANK NONE KNOWN | Direct payment from the plan; Other services Service code 49 | 605 N 8TH ST 320 SHEBOYGAN, WI 53082 | $73K |
| WRITE ON TARGET NONE KNOWN | Participant communication; Other services; Direct payment from the plan Service code 38 | 7941 WASHINGTON WOODS DRIVE CENTERVILLE, OH 45459 | $69K |
| TANGO HEALTH INC. EIN 26-2060323 NONE KNOWN | Direct payment from the plan; Other services Service code 49 | — | $51K |
| CONSOVA CORPORATION EIN 14-1884313 NONE KNOWN | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $39K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $38K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE KNOWN | Direct payment from the plan; Trustee (directed); Custodial (securities); Float revenue Service code 19 | — | $2K |
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 | 5,835 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,245 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,080 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 4 | $7K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $151K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,866 | $706K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 12,994 | $2.3M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $145K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,013 | $604K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,994 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,994 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.