| 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. | — | $8K | $8K | 0.46% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | PO BOX 202617 DALLAS, TX 753202617 | VISION SERVICE PLAN | $32K | — | $32K | 4.59% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | ALLSTATE WORKPLACE DIVISION | $22K | — | $22K | 15.00% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | PO BOX 202617 DALLAS, TX 75320 | ARAG INSURANCE COMPANY | $8K | — | $8K | 5.60% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | BOX 202617 DALLAS, TX 75320 | ARAG INSURANCE COMPANY | $6K | — | $6K | 4.40% |
| 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% |
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 | 2,962 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,985 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 766 | $3.6M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 9,847 | $2.0M |
| Vision | VISION SERVICE PLAN | 6,007 | $706K |
| Life insurance | AETNA LIFE INSURANCE CO. | 9,847 | $1.7M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 9,847 | $1.7M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 9,847 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,847 | — |
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.