| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $9K | $27K | 4.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST. SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 1.32% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 4.00% |
| BYRNE, BYRNE AND COMPANY3 Filed as: BYRNE BYRNE & CO | 120 S. LASALLE ST SUITE 1710 CHICAGO, IL 60613 | GUARDIAN | $30K | — | $30K | 6.81% |
| BYRNE, BYRNE AND COMPANY3 Filed as: BYRNE BYRNE & CO | 120 S. LASALLE ST SUITE 1710 CHICAGO, IL 60603 | PRUDENTIAL | $16K | — | $16K | 6.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 2121 N. CALIFORNIA BLVD SUITE 1000 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $7K | $18K | 9.08% |
| ECA FINANCIAL SERVICES INC3 Filed as: ECA FINANCIAL SERVICES | 7373 E. DOUBLETREE RANCH ROAD SUITE B110 SCOTTSDALE, AZ 85258 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 3.36% |
| ARLEN ROGER3 Filed as: ARLEN, ROGER | 2121 N. CALIFORNIA BLVD SUITE 1000 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 3.29% |
| STEVEN GARDINER3 Filed as: STEVEN KOPPEL | 101 N. MARKET STREET SUITE 100 MILWAUKEE, WI 53202 | JOHN HANCOCK USA | $3K | — | $3K | 4.11% |
| STEVEN GARDINER3 | 1101 N. MARKET STREET SUITE 100 MILWAUKEE, WI 53202 | JOHN HANCOCK USA | $3K | — | $3K | 4.11% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE | 100 BENEFITFOCUS WAY DANIEL ISLAND, SC 24492 | RELIASTAR LIFE INSURANCE COMPANY | $8K | — | $8K | 64.19% |
| ECA FINANCIAL SERVICES INC3 Filed as: ECA FINANCIAL SERVICES | 7373 E. DOUBLETREE RANCH RD SCOTTSDALE, AZ 85258 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 8.97% |
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 | 979 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,039 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITY HEALTH PLANS INSURANCE CORPORATION | 116 | $615K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,739 | $605K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 1,383 | $92K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 997 | $680K |
| Long-term disability(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 969 | $740K |
| Prescription drug | UNITY HEALTH PLANS INSURANCE CORPORATION | 116 | $615K |
| Other(3 contracts, 3 carriers) | JOHN HANCOCK USA | 979 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,739 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.