| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | QBE INSURANCE | — | $484K | $484K | 7.55% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS,LLC | 1 BEACON STREET SUITE 17100 BOSTON, MA 021083107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $453K | $99K | $553K | 9.59% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $295K | $104K | $399K | 8.93% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS,LLC | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | MINNESOTA LIFE INSURANCE COMPANY | $233K | — | $233K | 5.20% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $136K | $48K | $185K | 8.93% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS,LLC | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | MINNESOTA LIFE INSURANCE COMPANY | $107K | — | $107K | 5.20% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $146K | — | $146K | 13.00% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $59K | $20K | $79K | 8.83% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | JOHN HANCOCK | $23K | — | $23K | 5.78% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $5K | — | $5K | 3.50% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ZURICH AMERICAN INSURANCE COMPANY | $7K | — | $7K | 20.00% |
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 | 10,369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 258 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,186 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,036 | $25.4M |
| Dental | AETNA LIFE INSURANCE CO. | 3,265 | $713K |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 13,076 | $7.4M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 13,828 | $5.8M |
| Long-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 13,828 | $6.1M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 11,005 | $6.4M |
| Other(4 contracts, 4 carriers) | ARAG INSURANCE COMPANY | 13,583 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,828 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.