| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $28K | $107K | $135K | 2.86% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 75 STATE ST STE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $22K | $87K | $110K | 2.86% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $66K | $45K | $111K | 5.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER CANADA LTD | — | SUTTON SPECIAL RISK INC | $13K | $0 | $13K | 18.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 6.66% |
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 | 8,908 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,693 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7,347 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,948 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 15,451 | $8.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,823 | $1.9M |
| Other(2 contracts, 2 carriers) | SUTTON SPECIAL RISK INC | 5,331 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,451 | — |
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.