| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $63K | $63K | 3.10% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $129 | $129 | 0.01% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 55486 | RELIASTAR LIFE INSURANCE COMPANY | $285K | $66K | $352K | 21.17% |
| LOCKTON COMPANIES, LLC3 | 7650 EDINBOROUGH WAY, SUITE 100 EDINA, MN 55435 | RELIASTAR LIFE INSURANCE COMPANY | $104K | $0 | $104K | 6.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 800 MARKET STREET, SUITE 1800 SAINT LOUIS, MO 63101 | ACE AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 20.00% |
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 | 19,749 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,749 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 742 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 11,616 | $2.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,616 | $2.0M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,749 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,749 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.