| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $17K | $17K | 2.20% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 2.19% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM INSURANCE COMPANY | $10K | $3K | $13K | 9.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM INSURANCE COMPANY | $6K | $3K | $9K | 7.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM INSURANCE COMPANY | $5K | $2K | $7K | 6.24% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. IL | PO BOX 956012 ST. LOUIS, MO 60675 | METLIFE LEGAL PLANS | $5K | — | $5K | 9.87% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | NORTHERN TRUST BANK 75 REMITTANCE DR. STE 1446 CHICAGO, IL 60675 | METLIFE LEGAL PLANS | — | $529 | $529 | 1.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | — | $110 | $110 | 0.21% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE 1446 CHICAO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $55 | $3K | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $362 | $2K | — |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $55 | $4K | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $385 | $525 | $910 | — |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR. CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | -$3K | $2K | -$376 | — |
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 | 4,314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,688 | $786K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,500 | $351K |
| Other(8 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,688 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,688 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.