| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $148K | $148K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS | SVCS WEST INC PO BOX 101162 PASADENA, CA 911890001 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $167K | — | $167K | 1.70% |
| WILLIS TOWERS WATSON US LLC3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $139K | $139K | 1.89% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | — | VISION SERVICE PLAN | $94K | — | $94K | 3.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST FI6 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $46K | $46K | 3.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | — | $48K | 7.50% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | — | MCS LIFE INSURANCE COMPANY | $29K | — | $29K | 4.95% |
| HAYS COMPANIES, INC.3 | — | METLIFE LEGAL PLANS | $24K | $5K | $29K | 5.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 800 MARKET STREET SUITE 1800 SAINT LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $12K | — | $12K | 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 | 18,417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 85 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 333 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,835 | 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 | 110 | $1.2M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 33,031 | $12.6M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 12,867 | $3.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 20,111 | $9.8M |
| Long-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 19,435 | $8.6M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 19,435 | $7.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,031 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.