| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE CO. | — | $21K | $21K | 1.48% |
| BUCK CONSULTANTS LLC3 | STE 500 LOS ANGELES, CA 90067 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 0.47% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | PO BOX 202617 DALLAS, TX 753202617 | VISION SERVICE PLAN | $33K | — | $33K | 4.99% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | PO BOX 202617 DALLAS, TX 75320 | ARAG INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | ALLSTATE WORKPLACE DIVISION | $9K | — | $9K | 15.00% |
| LTCI PARTNERS LLC3 | SUITE 102 2924 MARKETPLACE DR MADISON, WI 53719 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.80% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 753202617 | ANTHEM INSURANCE COMPANIES, INC. | $106K | — | $106K | — |
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 | 2,768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 679 | $3.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 6,379 | $1.5M |
| Vision | VISION SERVICE PLAN | 5,224 | $651K |
| Life insurance | AETNA LIFE INSURANCE CO. | 6,379 | $1.4M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 6,379 | $1.4M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 6,379 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,379 | — |
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.