| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.05% |
| AON CONSULTING INC7 Filed as: AON HEWITT | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO. NY | — | $3K | $3K | 0.64% |
| AON CONSULTING INC7 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA GROUP INSURANCE | — | $2K | $2K | 0.39% |
| AON CONSULTING INC7 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA LIFE INSURANCE CO OF NY | — | $3K | $3K | 1.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | AIG PROPERTY CASUALTY US | — | $24K | $24K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $88 | $88 | 0.12% |
| AON CONSULTING INC7 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA GROUP INSURANCE | — | $15 | $15 | — |
| AON CONSULTING INC7 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA GROUP INSURANCE | $15 | — | $15 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE INC EIN 23-7391136 NONE | Claims processing; Contract Administrator; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $447K |
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 | 2,030 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,961 | $2.5M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 2,030 | $130K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,428 | $874K |
| Long-term disability | CIGNA LIFE INSURANCE CO. NY | 2,030 | $471K |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,428 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,428 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.