| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER HEALTH & BENEFITS LLC | P.O. BOX 310502 DES MOINES, IA 50331 | TRANSAMERICA INSURANCE CO. LIMITED MEDICAL PLANS | $5K | — | $5K | 15.26% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS INC. | 8505 FREEPORT PKWY #500 IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. LIMITED MEDICAL PLANS | $3K | — | $3K | 10.25% |
| NEW BENEFITS5 Filed as: NEW BENEFITS LTD | 14240 PROTON ROAD DALLAS, TX 75244 | TRANSAMERICA INSURANCE CO. LIMITED MEDICAL PLANS | $1K | — | $1K | 4.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC C/O COMMERCE | PO BOX 843844 KANSAS CITY, MO 641843844 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.81% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $477 | $477 | 1.86% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | SUITE 1200 2100 ROSS AVENUE DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $400 | — | $400 | 1.56% |
| JAMES PEARL3 | 5503 NW CLUB HOUSE CV PARKVILLE, MO 641523207 | METROPOLITAN LIFE INSURANCE COMPANY | $15 | — | $15 | 0.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAYER HOFFMAN MCCANN PC EIN 43-1947695 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $13K |
| AMWINS CONTRACT ADMIN | Direct payment from the plan; Contract Administrator Service code 13 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | $10K |
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 | 17,007 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,007 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA INSURANCE CO. LIMITED MEDICAL PLANS | 39 | $31K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,502 | $13K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 17,007 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,007 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.