| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | — | METROPOLITAN LIFE INSURANCE COMPANY | $4.5M | $321K | $4.8M | 4.67% |
| ALIGHT SOLUTIONS3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $207K | $207K | 0.20% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS, LL | 75 STATE ST STE 1710 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $0 | $592K | $592K | 2.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | — | METLIFE LEGAL PLANS | $173K | $26K | $199K | 11.20% |
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 | 139,708 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139,708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | 31 | $456K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $56K |
| Vision(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | 31 | $456K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 364,454 | $102.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 78,792 | $24.5M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | 31 | $400K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 364,454 | $131.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364,454 | — |
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.