| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CTR FL 7E PO BOX 26945 BROOKLYN, NY 112450003 | METROPOLITAN LIFE INSURANCE COMPANY | $243K | $200 | $243K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | PO BOX 350 CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $375K | — | $375K | 2.36% |
| JOHN MULLEN & COMPANY3 | PO BOX 2096 HONOLULU, HI 96805 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $22K | $22K | 0.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADM. LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $5.1M | $20K | $5.1M | 38.98% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY LLC | DBA ALIGHT SOLUTIONS LLC 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | RELIASTAR LIFE INSURANCE COMPANY | — | $606K | $606K | 4.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $69K | — | $69K | 8.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $8K | $10K | $18K | 2.34% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | — | $4K | $4K | 0.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 2010 MAIN ST IRVINE, CA 92614 | AETNA LIFE INSURANCE CO. | — | $1K | $1K | 0.17% |
| SHAUGHNESSY J O3 | 707 SKOKIE BLVD. BLD#250 NORTHBROOK, IL 60062 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | THE GUARDIAN LIFE INS. CO. OF AMER. 7 HANOVER SQUARE NEW YORK, NY 100042616 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 4.15% |
| BRIAN G. ELLERMAN3 | 532 EARLSTON ROAD KENILWORTH, IL 60043 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.69% |
| THE HUNKEN AGENCY, INC.3 Filed as: THE HUNKEN AGENCY INC. | THE GUARDIAN LIFE INS. CO. OF AMER. 7 HANOVER SQUARE NEW YORK, NY 100042616 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 2.33% |
| H E INSURANCE INC3 Filed as: H E INSURANCE INC. | THE GUARDIAN LIFE INS. CO. OF AMER. 7 HANOVER SQUARE NEW YORK, NY 100042616 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $26.2M |
| ACCOLADE EIN 01-0969591 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $15.0M |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $64K |
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 | 86,929 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32,885 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 424 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120,238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | MEDICAL MUTUAL | 3,278 | $24.9M |
| Dental(4 contracts, 3 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 22,407 | $14.7M |
| Vision(3 contracts, 3 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 26,522 | $21.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 62,536 | $24.3M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,801 | $464K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 50,389 | $15.9M |
| Prescription drug(2 contracts, 2 carriers) | MEDICAL MUTUAL | 536 | $12.8M |
| Other(10 contracts, 8 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 86,929 | $22.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 86,929 | — |
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.