| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 75 STATE ST STE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $34K | $128K | $163K | 3.43% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 75 STATE ST STE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $16K | $59K | $74K | 3.43% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $62K | $39K | $101K | 5.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | — | $0 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER CANADA LTD | — | SUTTON SPECIAL RISK INC | $15K | — | $15K | — |
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 | 9,042 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,706 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6,271 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 14,516 | $6.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,839 | $1.9M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,677 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,516 | — |
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."
No prospect flags tripped on this filing.