| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $286K | $109K | $394K | 6.88% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS,LLC | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | — | $36K | 0.63% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | QBE INSURANCE | — | $340K | $340K | 6.00% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 2885 PO BOX 28852 NEW YORK, NY 10087 | QBE INSURANCE | $95K | — | $95K | 1.68% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $443K | $101K | $544K | 12.63% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS,LLC | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | MINNESOTA LIFE INSURANCE COMPANY | $58K | — | $58K | 1.35% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $197K | $45K | $242K | 12.59% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS,LLC | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | MINNESOTA LIFE INSURANCE COMPANY | $27K | — | $27K | 1.39% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $141K | — | $141K | 13.00% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $82K | $18K | $100K | 12.50% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | JOHN HANCOCK | $18K | — | $18K | 5.00% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $7K | — | $7K | 4.15% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 100362708 | 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 | 10,692 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 87 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9,210 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,989 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,910 | $11.7M |
| Dental | AETNA LIFE INSURANCE CO. | 2,723 | $579K |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 13,279 | $7.0M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 13,793 | $5.7M |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 13,793 | $5.7M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 10,592 | $5.7M |
| Other(4 contracts, 4 carriers) | ARAG INSURANCE COMPANY | 13,583 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,793 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.