| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | 3 COPLEY PLACE SUITE 300 BOSTON, MA 02116 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $58K | — | $58K | 1.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | 3 COPLEY PLACE SUITE 300 BOSTON, MA 02116 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 12.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY ST 6TH FL NEW YORK, NY 10281 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.70% |
| MEYERS ASSOCIATES LP3 | 45 BROADWAY 2ND FL NEW YORK, NY 10006 | MINNESOTA LIFE INSURANCE COMPANY | $9K | — | $9K | 5.85% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | JOHN HANCOCK LIFE INSURANCE COMPANY | $17K | — | $17K | 11.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | GENWORTH LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 730182 DALLAS, TX 75373 | JOHN HANCOCK LIFE INSURANCE COMPANY | $7K | — | $7K | 12.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | PO BOX 1969 MORRISTOWN, NJ 07962 | EMPIRE HEALTHCHOICE HMO, INC | $871 | — | $871 | 1.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET 6TH FL NEW YORK, NY 10281 | MINNESOTA LIFE INSURANCE COMPANY | $406 | — | $406 | 1.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET 6TH FL NEW YORK, NY 10281 | MINNESOTA LIFE INSURANCE COMPANY | $329 | — | $329 | 1.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 15.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY ST NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | 1 WORLD FINANCIAL CTR, LOBBY C NEW YORK, NY 10281 | HEALTH OPTIONS, INC. | $349 | — | $349 | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 2405 GRAND BLVD., SUITE 900 KANSAS CITY, MO 64108 | ACE AMERICAN INSURANCE COMPANY | $908 | — | $908 | 25.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | 200 LIBERTY STREET 6TH FL NEW YORK, NY 10281 | MINNESOTA LIFE INSURANCE COMPANY | $51 | — | $51 | 1.68% |
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 | 1,453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,032 | $4.6M |
| Dental(5 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 3,080 | $1.6M |
| Vision(2 contracts) | VISION SERVICE PLAN | 853 | $140K |
| Life insurance(5 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,453 | $1.3M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $18K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,452 | $1.2M |
| Prescription drug(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,032 | $4.1M |
| Other(9 contracts, 6 carriers) | STANDARD INSURANCE COMPANY | 1,457 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,080 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.