| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $107K | — | $107K | 3.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $72K | $7K | $78K | 5.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $14K | $14K | 0.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $13K | $13K | 0.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 100360000 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 4,849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 945 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 8,951 | $722K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,729 | $2.8M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,264 | $1.5M |
| Other(2 contracts, 2 carriers) | BEACON HEALTH OPTIONS INC | 4,849 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,951 | — |
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.