| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 75 STATE ST STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | — | $232K | $232K | 2.48% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 30374 | VISION SERVICE PLAN | — | $33K | $33K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 75 STATE ST STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | — | $19K | $19K | 2.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TEXAS EIN 36-1236610 NONE | Contract Administrator; Claims processing Service code 12 | — | $4.6M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $423K |
| CVS PHARMACY, INC EIN 05-0340626 NONE | Claims processing; Contract Administrator Service code 12 | — | $148K |
| CONCERN EIN 77-0528349 NONE | Contract Administrator; Claims processing Service code 12 | — | $99K |
| MERCER HEALTH & BENEFITS LLC EIN 13-2834414 NONE | Insurance brokerage commissions and fees Service code 53 | — | $0 |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Insurance brokerage commissions and fees Service code 53 | — | $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 | 6,856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 173 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 173 | $3.2M |
| Vision | VISION SERVICE PLAN | 5,660 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 6,856 | $9.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6,856 | $9.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 3,991 | $708K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,856 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.