| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $134K | $0 | $134K | 3.71% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $521 | $521 | 0.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $445 | $13K | 0.70% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $846 | $4K | 0.24% |
| EMPYREAN INSURANCE SERVICES, INC.3 | PO BOX 2569 BELLAIRE, TX 77402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $590 | $590 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | HARTFORD LIFE AND ACCIDENT | $300 | $0 | $300 | 0.09% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA INTERNATIONAL | $72K | $0 | $72K | 25.18% |
| EMPYREAN BENEFITS3 Filed as: EMPYREAN | 3010 BRIARPARK DRIVE, SUITE 800 HOUSTON, TX 77042 | METLIFE LEGAL PLANS, INC. | $0 | $1K | $1K | 1.69% |
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 | 2,702 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,577 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 200 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 811 | $620K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,327 | $2.1M |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,327 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,611 | $5.4M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,611 | $3.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,611 | $3.6M |
| Prescription drug(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 811 | $620K |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,611 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,611 | — |
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."
No prospect flags tripped on this filing.