| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $88K | $89K | 2.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$39 | -$5K | -$5K | -0.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 2.77% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $780 | $4K | 1.14% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $70 | $70 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36K | $0 | $36K | 16.89% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $4K | $14K | 6.57% |
| LOCKTON COMPANIES, LLC3 | ONE INTERNATIONAL PLACE, 16TH FLOOR BOSTON, MA 02110 | ACE AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN GENERAL INSURANCE COMPANY | $769 | $0 | $769 | 10.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $531 | $0 | $531 | 9.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | -$105 | $195 | $90 | 1.56% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD FARMINGTON, CT 06032 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $47 | $0 | $47 | 0.81% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $24 | $0 | $24 | 0.42% |
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 | 724 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 246 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $378K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 246 | $4.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $378K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 310 | $220K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 310 | $214K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 246 | $4.2M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 724 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 724 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.