| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO | $9K | — | $9K | 12.79% |
| WEB TPA | 8600 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO | $2K | — | $2K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TRANSAMERICA INSURANCE CO | $2K | — | $2K | 2.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N BIRMINGHAM, AL 35203 | SYMETRA | $9K | $2K | $11K | 17.58% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS INC | $3K | — | $3K | 18.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EXPRESS SCRIPTS INC | $337 | — | $337 | 1.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMWINS AGENT | Insurance agents and brokers Service code 22 | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | $12K |
| WILLIS OF ALABAMA INC BROKER | Insurance agents and brokers Service code 22 | 2102 6TH AVE N BIRMINGHAM, AL 35203 | $9K |
| CIGNA HEALTH & LIFE INS CO (CIGNA) CLAIM ADMINISTRATOR | Other services; Float revenue; Named fiduciary; Non-monetary compensation; Contract Administrator; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $9K |
| MERCER HEALTH & BENEFITS LLC BROKER | Insurance agents and brokers Service code 22 | 4565 PAYSPHER CIRCLE CHICAGO, IL 60674 | $5K |
| CIGNA | Named fiduciary; Participant communication; Contract Administrator; Direct payment from the plan; Float revenue; Non-monetary compensation; Claims processing; Other services Service code 12 | — | $0 |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 445 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 445 | $2.3M |
| Vision | BLUE CROSS BLUE SHIELD OF ALABAMA | 445 | $2.3M |
| Life insurance | SYMETRA | 212 | $63K |
| Long-term disability | SYMETRA | 212 | $63K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 445 | $2.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 445 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.