| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $121K | $121K | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | $98K | $152K | 3.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 1.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET STREET SAINT LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $8K | — | $8K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $415 | $415 | 1.48% |
No Schedule C service providers reported on this filing.
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 | 25,237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 530 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 957 | $12.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,240 | $332K |
| Vision | VISION SERVICE PLAN | 15,055 | $2.6M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 37,392 | $9.7M |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 741 | $102K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,063 | $4.5M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 957 | $12.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 37,392 | $9.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,392 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.