| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $12K | $39K | 5.69% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.50% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $610 | $30K | 4.70% |
| BYRNE, BYRNE AND COMPANY3 Filed as: BYRNE BYRNE & CO | 217 N JEFFERSON ST STE 450 CHICAGO, IL 60661 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | — | $40K | 6.60% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | ATTN ERICA MENDEZ 2121 N CALIFORNIA BLVD STE 1000 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $5K | $7K | 6.36% |
| ARLEN ROGER3 Filed as: ARLEN ROGER LOUIS | STE 1000 2121 N CALIFORNIA BLVD WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.61% |
| ECA FINANCIAL SERVICES INC3 | 10105 E VIA LINDA 103 300 SCOTTSDALE, AZ 85258 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.39% |
| STEVEN GARDINER3 | 100 E WISCONSIN AVE #2300 MILWAUKEE, WI 53202 | JOHN HANCOCK | $6K | $0 | $6K | 7.65% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE | 100 BENEFITFOCUS WAY DANIEL ISLAND, SC 29492 | RELIASTAR LIFE INSURANCE COMPANY | $18K | — | $18K | 22.84% |
| ECA FINANCIAL SERVICES INC3 | 10105 E VIA LINDA 103 300 SCOTTSDALE, AZ 85258 | UNUM LIFE INSURANCE OF AMERICA | $244 | $0 | $244 | 6.44% |
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 | 977 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 125 | $839K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,819 | $680K |
| Vision | NATIONAL VISION ADMINISTATORS LLC | 1,468 | $96K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 980 | $611K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 916 | $635K |
| Long-term disability(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 916 | $741K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 125 | $839K |
| Other(3 contracts, 3 carriers) | JOHN HANCOCK | 949 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,819 | — |
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.