| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVE., 25TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $18K | $18K | 0.38% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 0.20% |
| MULTI AGENT SYSTEM CORP3 | PO BOX 1306 BAYAMON, PR 00960 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $234K | — | $234K | 11.46% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVE., 25TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 0.37% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.14% |
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 | 65,180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 190 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 65,370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts, 14 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 11,010 | $56.3M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 10,980 | $4.0M |
| Vision | VISION SERVICE PLAN | 15,422 | $2.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 67,569 | $4.7M |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY | 2,081 | $437K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 67,569 | $4.7M |
| Prescription drug(3 contracts, 3 carriers) | HEALTH OPTIONS, INC. (BCBS OF FL) | 453 | $4.5M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 11,010 | $2.0M |
| Other(8 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 67,569 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 67,569 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.