| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX NUMBER 844303 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $67K | $67K | 0.73% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX NUMBER 844303 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26K | $26K | 0.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $237K | $11K | $248K | 36.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $194K | $10K | $204K | 31.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $118K | $6K | $125K | 31.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | — | $26K | 11.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 1 UNIVERSITY SQUARE DRIVE PRINCETON, NJ 085406455 | LLOYDS OF LONDON | $18K | — | $18K | 28.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INS COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $1.1M |
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 | 10,572 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9,944 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,071 | $1.7M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 25,410 | $12.3M |
| Short-term disability | LLOYDS OF LONDON | 8 | $64K |
| Long-term disability | LLOYDS OF LONDON | 8 | $64K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 25,410 | $9.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,410 | — |
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.