| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPOWER BENEFITS INC3 | DBA CORESTREAM 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | — | $72K | 15.45% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE STE 304 NAPLES, FL 34104 | ARAG INSURANCE COMPANY | $30K | — | $30K | 10.00% |
| EMPOWER BENEFITS INC5 | 3606 ENTERPRISE AVE STE 304 NAPLES, FL 34104 | ARAG INSURANCE COMPANY | — | $15K | $15K | 5.00% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE STE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $57K | — | $57K | 19.68% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST STE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $2K | — | $2K | 0.82% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | — | $29K | 15.48% |
| 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 | $7K | — | $7K | 9.21% |
| 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 | 15,743 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 158 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,901 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,191 | $1.2M |
| Dental | HMSA BLUE CROSS BLUE SHIELD | 5 | $18K |
| Vision | HMSA BLUE CROSS BLUE SHIELD | 5 | $18K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,588 | $9.0M |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 664 | $288K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 15,743 | $3.3M |
| Prescription drug | HMSA BLUE CROSS BLUE SHIELD | 5 | $18K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,793 | $929K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,743 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.