| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $41K | $41K | 0.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | PO BOX 28852 NEW YORK, NY 10087 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $28K | — | $28K | 0.43% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | — | VISION SERVICE PLAN | $91K | — | $91K | 2.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 4.24% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | — | MEDICAL CARD SYSTEM LIFE INSURANCE, INC. | $24K | — | $24K | 4.85% |
| HAYS COMPANIES, INC.3 | — | METLIFE LEGAL PLANS | $18K | $5K | $22K | 6.20% |
| 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 | — | DELTA DENTAL OF PUERTO RICO, INC. | $5K | — | $5K | 10.00% |
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 | 18,720 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 666 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 376 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,762 | 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 | 114 | $1.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 113 | $1.1M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 12,041 | $4.1M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 18,606 | $10.6M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 18,867 | $6.6M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 18,606 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,867 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.