| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | — | $440K | $440K | 1.06% |
| UNITEDHEALTH GROUP/ AMANDA DUFFING3 | 9900 BREN ROAD EAST MN008-R120 MINNETONKA, MN 55343 | METLIFE LEGAL PLANS | — | $144K | $144K | 8.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $8K | — | $8K | 15.00% |
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 | 153,770 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,118 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,362 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158,250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITEDHEALTHCARE OF CALIFORNIA | 7,995 | $113.2M |
| Dental | TRIPLE S SALUD, INC. | 1,143 | $6.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 152,380 | $80.6M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 152,380 | $80.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 152,415 | $41.4M |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE OF CALIFORNIA | 7,995 | $112.3M |
| Other(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 152,380 | $96.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152,415 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.