| 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 | — | $437K | $437K | 4.23% |
| 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 | — | $148K | $148K | 3.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $67K | $9K | $77K | 12.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $79 | $57K | 10.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | -$148 | $33K | 10.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 16.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 1 UNIVERSITY SQUARE DRIVE PRINCETON, NJ 085406455 | LLOYDS OF LONDON | $21K | — | $21K | 30.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INS COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $678K |
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 | 10,166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9,566 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,732 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 7,928 | $1.5M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 24,448 | $15.1M |
| Short-term disability | LLOYDS OF LONDON | 6 | $69K |
| Long-term disability | LLOYDS OF LONDON | 6 | $69K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 24,448 | $10.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,448 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.