| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RETAIL BUSINESS SERVICES | 145 PLEASANT HILL ROAD SCARBOROUGH, ME 04074 | METROPOLITAN LIFE INSURANCE COMPANY | — | $122K | $122K | 0.63% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH AND BENEFITS | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10036 | AVALON INSURANCE COMPANY | $84K | — | $84K | 5.00% |
| AON CONSULTING INC Filed as: AON CONSULTING | 1990 WATER STREET 12TH FL NEW YORK, NY 10038 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
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 | 21,080 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 21,080 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 98,376 | $126.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 51,309 | $19.4M |
| Vision(4 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 19,739 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 51,309 | $19.4M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 51,309 | $19.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 51,309 | $19.4M |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 21,031 | $1.7M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 98,376 | $20.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98,376 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.