| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST F16 NEW YORK, NY 10281 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $68K | $68K | 1.65% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $23K | $23K | 0.80% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $47K | — | $47K | 9.98% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | — | $8K | $8K | 1.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 1 UPPER POND RD BLDG F PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | — | $28 | $28 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #38852 PO BOX 28852 NEW YORK, NY 100878852 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $17K | — | $17K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 CONTRACT ADMIN | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $5.0M |
| CIGNA EIN 06-0303370 CLAIMS ADMIN | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator Service code 12 | — | $459K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $307K |
| MATRIX ABSENCE MANAGEMENT, INC EIN 77-0493584 NONE | Claims processing Service code 12 | — | $234K |
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 | 8,413 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 1,989 | $9.0M |
| Dental | CONNECTICUT GERNEAL LIFE INSURANCE COMPANY | 1,200 | $232K |
| Vision | VISION SERVICE PLAN | 6,400 | $1.5M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,614 | $4.1M |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 211 | $99K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,579 | $2.8M |
| Other(4 contracts, 4 carriers) | METLIFE LEGAL PLANS | 8,413 | $871K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,413 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.