| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INSURANCE SERVIC | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $473K | $53 | $473K | 2.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $163K | $163K | 1.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INSURANCE SERVIC | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $131K | $131K | 0.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $90K | $24 | $90K | 0.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INSURANCE SERVIC | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31K | $31K | 0.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INSURANCE SERVIC | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $80K | $80K | 0.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INSURANCE SERVIC | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $53 | $13K | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $24 | $3K | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INSURANCE SERVIC | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $722 | $722 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$72K | -$72K | -0.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INSURANCE SERVIC | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INSURANCE SERVIC | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHERN TRUST COMPANY EIN 36-1561860 CUSTODY & FEES | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $50K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4008324 ACCOUNTING | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73,139 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 73,139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 2,854 | $11.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 22 | $8K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 49,922 | $25.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49,922 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.