| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR, STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | $3 | $66K | 0.81% |
| EMPOWER BENEFITS INC3 | DBA CORESTREAM 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $108K | $10K | $118K | 21.62% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR. STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.77% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE STE 304 NAPLES, FL 34104 | ARAG INSURANCE COMPANY | $41K | — | $41K | 10.00% |
| EMPOWER BENEFITS INC5 | 3606 ENTERPRISE AVE STE 304 NAPLES, FL 34104 | ARAG INSURANCE COMPANY | — | $21K | $21K | 5.00% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE STE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $48K | — | $48K | 17.75% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $5K | — | $5K | 1.71% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $4K | $51K | 21.27% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | 3606 ENTERPRISE AVE STE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $124K | — | $124K | 59.50% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR, STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1166 AVENUE OF AMERICAS NEW YORK, NY 10036 | AXIS INSURANCE COMPANY | $41K | — | $41K | 25.00% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $2K | $20K | 12.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1166 AVENUE OF AMERICAS NEW YORK, NY 10036 | AXIS INSURANCE COMPANY | $6K | — | $6K | 25.00% |
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 | 16,762 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 99 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 16,861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,786 | $1.0M |
| Dental | HMSA BLUE CROSS BLUE SHIELD | 13 | $85K |
| Vision | HMSA BLUE CROSS BLUE SHIELD | 13 | $85K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,650 | $10.6M |
| Short-term disability(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 942 | $481K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 18,246 | $3.4M |
| Prescription drug | HMSA BLUE CROSS BLUE SHIELD | 13 | $85K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,796 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,246 | — |
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.