| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | SUITE 1700 1 BEACON STREET BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $222K | $0 | $222K | 4.78% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES/STRATEGIC NON-MED | PO BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $45K | $71K | 3.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 0.92% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS INC CORESTREAM | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $10K | $0 | $10K | 10.09% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS INC/CORESTREAM | 5100 TAMIAMI TRAIL SUITE 103 NAPLES, FL 34103 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 2.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ACE AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | MANHATTANLIFE | $1K | $0 | $1K | 3.01% |
| EMPOWER BENEFITS INC3 | 5404 CYPRESS CENTER DRIVE SUITE 130 TAMPA, FL 33609 | MANHATTANLIFE | $1K | $0 | $1K | 2.99% |
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 | 8,695 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 58 | $325K |
| Dental | AETNA LIFE INSURANCE COMPANY | 58 | $325K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,222 | $925K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 9,036 | $4.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,988 | $2.3M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 9,036 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,036 | — |
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."
No prospect flags tripped on this filing.