| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $124K | — | $124K | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $119K | $119K | 1.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 200 E RANDOLPH ST CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $58K | — | $58K | 4.00% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | PO BOX 191229 SAN JUAN, PR 009191229 | MEDICAL CARD SYSTEM LIFE INSURANCE, INC. | $31K | — | $31K | 4.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 701 MARKET STREET SUITE 1100 SAINT LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $14K | — | $14K | 20.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PUERTO RICO | PO BOX 191229 SAN JUAN, PR 009191229 | DELTA DENTAL OF PUERTO RICO, INC. | $5K | — | $5K | 8.69% |
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 | 21,418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 838 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 152 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $2.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 128 | $1.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $1.5M |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 21,418 | $17.6M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 21,373 | $7.5M |
| Prescription drug | MEDICAL CARD SYSTEM LIFE INSURANCE, INC. | 129 | $650K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 21,026 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,418 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.