| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 554371180 | METROPOLITAN LIFE INSURANCE COMPANY | $117K | $41 | $117K | 2.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $48K | $48K | 0.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS LLC | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $41 | $39K | 0.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16K | $16K | 0.31% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $329K | $0 | $329K | 13.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $122K | $0 | $122K | 4.86% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE., SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 0.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 194061225 | COMBINED INSURANCE COMPANY OF AMERICA | $371K | — | $371K | 15.81% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INS SRVCS NATL | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 554371180 | COMBINED INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $161K | $0 | $161K | 9.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE CO | $127K | $0 | $127K | 10.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 554371180 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $41 | $29K | 2.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 0.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS LLC | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $41 | $6K | 0.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.12% |
| MERCER HEALTH AND BENEFITS, LLC8 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $35K | $0 | $35K | 3.06% |
| HUB INTERNATIONAL MIDWEST LIMITED4 | EMPLOYEE BENEFITS DEPARTMENT CHICAGO, IL 60604 | AETNA INTERNATIONAL | $75K | — | $75K | 7.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $30K | $0 | $30K | 3.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO | $17K | — | $17K | 2.32% |
| HUB INTERNATIONAL MIDWEST LIMITED4 | EMPLOYEE BENEFITS DEPARTMENT CHICAGO, IL 60604 | AETNA LIFE INSURANCE COMPANY | $50K | $0 | $50K | 7.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 194061225 | COMBINED INSURANCE COMPANY OF AMERICA | $61K | — | $61K | 10.00% |
| RETENTION STRATEGIES INSURANCE CORP4 Filed as: RETENTION STRATEGIES | 409 SAN JORGE SAN JUAN, PR 00912 | MCS LIFE INSURANCE COMPANY | $31K | — | $31K | 5.45% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | CAPARRA CTR, 22 GONZALEZ GUISTI AVE GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | — | $3K | $3K | 0.50% |
| MERITAIN HEALTH5 Filed as: AETNA BEHAVIORAL HEALTH, LLC | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | AETNA BEHAVIORAL HEALTH, LLC | $0 | $389K | $389K | 100.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $31K | $4K | $35K | 11.24% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES | 409 SAN JORGE SAN JUAN, PR 00919 | HUMANA INSURANCE OF PUERTO RICO, INC | $10K | $38K | $48K | 28.58% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 10.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 554371180 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $41 | $3K | 9.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS LLC | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $41 | $1K | 3.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS NATL | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $293 | $293 | 0.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCS LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $91 | $91 | 0.30% |
| HEALTH AND HUMAN RESOURCE CENTER5 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | HEALTH AND HUMAN RESOURCE CENT | — | — | $0 | 0.00% |
| RETENTION STRATEGIES INSURANCE CORP3 Filed as: RETENTION STRATEGIES INSUR. AGENCY | — | TRIPLE-S VIDA, INC | $481 | $0 | $481 | 15.00% |
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 | 16,893 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 372 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 486 | $3.7M |
| Dental(3 contracts, 3 carriers) | AETNA INTERNATIONAL | 948 | $2.4M |
| Vision(4 contracts, 3 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 22,269 | $3.5M |
| Life insurance(5 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 18,017 | $10.7M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,311 | $1.4M |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,798 | $6.2M |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 87 | $566K |
| Other(6 contracts, 5 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 15,623 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,269 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.