| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 500 E PRATT ST STE 600 BALTIMORE, MD 212023173 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1050 CONNECTICUT AVENUE WASHINGTON, DC 200365386 | SYMETRA LIFE INSURANCE COMPANY | — | $277 | $277 | 0.12% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA | CRAWFORD ADVISORS LLC 575 E SWEDESFORD RD STE 200 WAYNE, PA 190871613 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $2K | $24K | 11.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $69 | — | $69 | 2.63% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | -$26 | — | -$26 | -0.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Direct payment from the plan; Investment management Service code 28 | — | $44K |
| CLIFTONLARSENALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| AON CONSULTING EIN 22-2232264 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $23K |
| UMR, INC. EIN 39-1995276 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $16K |
| ATLANTA CAPITAL EIN 58-2236910 NONE | Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $7K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 277 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 25 | $3K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 554 | $200K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 330 | $225K |
| Other(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 554 | $950K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.