| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SALUS GROUP3 | 38233 MOUND ROAD, BUILDING F STERLING HEIGHTS, MI 48310 | INDEPENDENCE BLUE CROSS | $298K | — | $298K | 5.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $71K | — | $71K | 2.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 100 TRYON ST STE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $43K | — | $43K | 1.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $62K | — | $62K | 2.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $52K | — | $52K | 2.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $541K | $58K | $599K | 32.33% |
| SALUS GROUP3 | 38233 MOUND ROAD, BUILDING F STERLING HEIGHTS, MI 48310 | AETNA | $58K | — | $58K | 4.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $32K | — | $32K | 2.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $37K | — | $37K | 2.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | GEISINGER QUALITY OPTIONS, INC. | $26K | — | $26K | 2.00% |
| SALUS GROUP3 | 38233 MOUND ROAD, BUILDING F STERLING HEIGHTS, MI 48310 | KAISER PERMANENTE MID ATLANTIC | $33K | — | $33K | 2.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $24K | — | $24K | 2.29% |
| SALUS GROUP3 | 38233 MOUND ROAD, BUILDING F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK | $44K | — | $44K | 5.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC PORTLA | 100 TRYON ST STE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $11K | — | $11K | 1.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC SAN FR | 1717 ARCH STREET 27TH FL PHILADELPHIA, PA 19103 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $14K | — | $14K | 2.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 100 TRYON ST STE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $6K | — | $6K | 1.42% |
| MS BENEFITS3 Filed as: MS BENEFITS LLC | 100 CHALLENGER RD STE 400 RIDGEFIELD PARK, NJ 07660 | AFLAC | $33K | — | $33K | 12.00% |
| ROSALINDA PAPARATTO3 Filed as: ROSALINDA PARARATTO | 940 MOUNTAIN AVE MOUNTAINSIDE, NJ 07092 | AFLAC | $741 | — | $741 | 0.27% |
| BARBARA A HAWES3 | 21 MAPLE LANE UNIT D BRIELLE, NJ 08730 | AFLAC | $647 | — | $647 | 0.24% |
| ELAINE COX3 Filed as: ELAINE MCCLELLAND | 4312 GRANADA ST ALEXANDRIA, VA 22309 | AFLAC | $497 | — | $497 | 0.18% |
| JAMES E WARWICK3 | 288 ST DAVID DR MOUNT LAUREL, NJ 08054 | AFLAC | $435 | — | $435 | 0.16% |
| KYLE A SCHOALES3 | 23 BARTHEL AVE GARDNER, MA 01440 | AFLAC | $416 | — | $416 | 0.15% |
| HENSLEY A AKIBOH3 Filed as: HENSLEY A AKIOBOH | 120 MARGUERITE DR CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $276 | $2 | $278 | 0.10% |
| CHRIS GUZEWICH3 Filed as: CHRIS DAVID PAOLONE | 119 PELHAM RD S VOORHEES, NJ 08043 | AFLAC | $270 | — | $270 | 0.10% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $242 | — | $242 | 0.09% |
| MICHAEL HENSH3 | 64 KERRY LYNN CT WILLIAMSTOWN, NJ 08094 | AFLAC | $230 | — | $230 | 0.08% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 325 W GROVELAND AVE SOMERS POINT, NJ 08244 | AFLAC | $229 | — | $229 | 0.08% |
| ROSE M SUDANO3 | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $226 | — | $226 | 0.08% |
| PABLO COHEN VELASQUEZ3 | 5036 LINCOLN AVE LOS ANGELES, CA 90042 | AFLAC | $193 | — | $193 | 0.07% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $153 | — | $153 | 0.06% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $145 | — | $145 | 0.05% |
| GSL MARKETING INC3 | PO BOX 831745 OCALA, FL 34483 | AFLAC | $130 | — | $130 | 0.05% |
| JOSE DAVID FRAGOSO-COYOTL3 | 50 W LEMON AVE STE 2 MONROVIA, CA 91016 | AFLAC | $129 | — | $129 | 0.05% |
| MICHAEL R. FISHER3 Filed as: MICHAEL R FISHER | 50 W LEMON AVE STE 2 MONROVIA, CA 91016 | AFLAC | $112 | — | $112 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD STE A WOODBURY, NY 11797 | AFLAC | $104 | — | $104 | 0.04% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 506 CANTERBURY DR LAGRANGE, GA 30241 | AFLAC | $102 | — | $102 | 0.04% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES F HILL | 11350 GATES MILL DR KNOXVILLE, TN 37934 | AFLAC | $95 | — | $95 | 0.04% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $94 | — | $94 | 0.03% |
| JOHN RAY BALLINGER3 | 2456 KERR DR L65 VIRGINIA BEACH, VA 23454 | AFLAC | $92 | — | $92 | 0.03% |
| MARY DRESSENDOFER3 | 12 CRABAPPLE CV HAMPTON, NJ 08827 | AFLAC | $86 | — | $86 | 0.03% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $79 | — | $79 | 0.03% |
| JOHN C KAUTTER3 | 14155 NEWBROOK DR STE 130 CHANTILLY, VA 20151 | AFLAC | $75 | — | $75 | 0.03% |
| ROBERT D BURTON3 | 550 SOUTH AVE VERONA, PA 15147 | AFLAC | $75 | — | $75 | 0.03% |
| IAN SOLLENBERGER3 | 1518 19TH FRNT SANTA MONICA, CA 90404 | AFLAC | $72 | — | $72 | 0.03% |
| MITCHELL B RUCKO3 | PO BOX 25 KINGSTON, NJ 08528 | AFLAC | $69 | — | $69 | 0.03% |
| IRMA D PEREZ3 | 636 SW 168TH LN PEMBROKE PINES, FL 33027 | AFLAC | $65 | — | $65 | 0.02% |
| DIVYA JAIN3 | 14155 NEWBROOK DR STE 130 CHANTILLY, VA 20151 | AFLAC | $58 | — | $58 | 0.02% |
| WILLIAM D HARRISON3 | 20A LEIGH STREET CLINTON, NJ 08809 | AFLAC | $57 | — | $57 | 0.02% |
| JILL MARIE GERSON3 | 521 SALEM HEIGHTS DR GIBSONIA, PA 15044 | AFLAC | $57 | — | $57 | 0.02% |
| JESSICA A BOUTILETTE3 | 16 BROAD ST STE 5 WASHINGTON, NJ 07882 | AFLAC | $48 | — | $48 | 0.02% |
| BENEDIKT N MASON3 | 17 LITTLE BEAR HILL ROAD WESTFORD, MA 01886 | AFLAC | $47 | — | $47 | 0.02% |
| MATTHEW S MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $45 | — | $45 | 0.02% |
| PHILLIP GREER3 | 2881 BALD EAGLE ROAD VIRGINIA BEACH, VA 23453 | AFLAC | $44 | — | $44 | 0.02% |
| CHRIS H ROBINSON3 | 2 MAYFIELD RD MECHANICSBURG, PA 17055 | AFLAC | $43 | — | $43 | 0.02% |
| MICHAEL J KELLY3 | 314 OAKMONT DR PITTSBURGH, PA 15229 | AFLAC | $42 | — | $42 | 0.02% |
| JKAPP CONSULTING LLC3 | 10975 W CAVE BLVD DRIPPING SPRINGS, TX 78620 | AFLAC | $42 | — | $42 | 0.02% |
| ENROLLEASE3 Filed as: JOSEPH CLARKE | 197 BYRAM KINGWOOD RD STOCKTON, NJ 08559 | AFLAC | $40 | — | $40 | 0.01% |
| JOSHUA P SAUNDERS3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $38 | — | $38 | 0.01% |
| JOHN CHRISTENSEN3 | 50 W LEMON AVE STE 2 MONROVIA, CA 91016 | AFLAC | $37 | — | $37 | 0.01% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $36 | — | $36 | 0.01% |
| DANIEL C HARRIS3 | 413 OAK RIDGE CT MARS, PA 16046 | AFLAC | $36 | — | $36 | 0.01% |
| LAUREN MERKT3 | 1032 DUNCAN LANE PITTSBURGH, PA 15236 | AFLAC | $35 | — | $35 | 0.01% |
| LEAH E MELLAY3 | 3936 N MONET CT ALLISON PARK, PA 15101 | AFLAC | $35 | — | $35 | 0.01% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $35 | — | $35 | 0.01% |
| BRANDY T SHARROCK3 | 77 BARNEGAT RD HEWITT, NJ 07421 | AFLAC | $33 | — | $33 | 0.01% |
| JACKSON D RHODES3 | 2332 VOLUNTEER PARKWAY BRISTOL, TN 37620 | AFLAC | $29 | — | $29 | 0.01% |
| MARIANNE E SULLIVAN3 | 305 WATERFORD CT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $21 | — | $21 | 0.01% |
| LEVY Y ISAACSON3 | 75 WHITE RD LAKEWOOD, NJ 08701 | AFLAC | $20 | — | $20 | 0.01% |
| ALICIA MARGARIT ESPINOZA3 | 170 EL DORADO ST ARCADIA, CA 91006 | AFLAC | $18 | — | $18 | 0.01% |
| MANDELBAUM INSURANCE SERVICES LLC3 | PO BOX 480350 LOS ANGELES, CA 90048 | AFLAC | $18 | — | $18 | 0.01% |
| KAYNE R LANAHAN3 | 12820 W PARMER LANE APT 3104 CEDAR PARK, TX 78613 | AFLAC | $18 | — | $18 | 0.01% |
| KATHERINE ANNE PETSCHAUER3 | 9 WEST CHURCH ST APT 22 WASHINGTON, NJ 07882 | AFLAC | $17 | — | $17 | 0.01% |
| ANDREA DOROTHY ALAMA-SMITH3 | 10 TRAIL RIDGE CIR POMONA, CA 91766 | AFLAC | $17 | — | $17 | 0.01% |
| JOSHUA JAY GARDEN3 | 2850 W TOUHY AVE UNIT B CHICAGO, IL 60645 | AFLAC | $17 | — | $17 | 0.01% |
| SHARON L SPARKS-RENAUD3 | 75 CARNEY DR CARNEYS POINT, NJ 08069 | AFLAC | $16 | — | $16 | 0.01% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $15 | — | $15 | 0.01% |
| MICHAEL H FLEMING3 | 7546 STATE ROUTE 30 THIRD FL IRWIN, PA 15642 | AFLAC | $15 | — | $15 | 0.01% |
| SEAN P SMITH3 | 20 FIR DR TRIADELPHIA, WV 26059 | AFLAC | $14 | — | $14 | 0.01% |
| BARRY M SCOFF3 | 82 SAND HILLS RD KENDALL PARK, NJ 08824 | AFLAC | $14 | — | $14 | 0.01% |
| SOTERIA S MALLARD3 | 6529 NW 36TH TER GAINESVILLE, FL 32653 | AFLAC | $13 | — | $13 | 0.00% |
| HEATHER BARTLEY3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $13 | — | $13 | 0.00% |
| HALEY E SCHMITT3 | 101 DEIMLING RD PITTSBURGH, PA 15229 | AFLAC | $12 | — | $12 | 0.00% |
| OLIVIA DUVALL3 | 3807 GRANBY ST APT A2 NORFOLK, VA 23504 | AFLAC | $12 | — | $12 | 0.00% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVE BOCA RATON, FL 33432 | AFLAC | $11 | — | $11 | 0.00% |
| MICHAEL A. BITTEL3 Filed as: MICHAEL ANTHONY BITTEL | 129 MARION DR CANONSBURG, PA 15317 | AFLAC | $10 | — | $10 | 0.00% |
| JOSHUA T HILL3 | 24921 NE 136TH LN FORT MCCOY, FL 32134 | AFLAC | $10 | — | $10 | 0.00% |
| DANIEL SOTO3 | 204 NATALIE DR PHILLIPSBURG, NJ 08865 | AFLAC | $9 | — | $9 | 0.00% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $9 | — | $9 | 0.00% |
| JANET LOGAN3 | 73 MAIN ST FLANDERS, NJ 08736 | AFLAC | $7 | — | $7 | 0.00% |
| MEGAN DANCEL3 | 25261 LARCH ST NW ISANTI, MN 55040 | AFLAC | $7 | — | $7 | 0.00% |
| TALHA ZAQUIR RAHMAN3 | 10973 PRESCOTT DR FRISCO, TX 75033 | AFLAC | $7 | — | $7 | 0.00% |
| DEBORAH STARR3 | 9707 ORLANDO AVE APT B LUBBOCK, TX 79423 | AFLAC | $6 | — | $6 | 0.00% |
| JASON PHILLIPS3 | 1222 BARTON AVE POINT PLEASANT BEACH, NJ 08742 | AFLAC | $6 | — | $6 | 0.00% |
| JOHN A HAWLEY3 | 376 ROSALIND LN OLDSMAR, FL 34677 | AFLAC | $6 | — | $6 | 0.00% |
| MICHAEL S CLISE3 | 361 LITTLE CREEK RD HARMONY, PA 16037 | AFLAC | $6 | — | $6 | 0.00% |
| GEORGE A BITTEL3 | 129 MARION DR MCMURRAY, PA 15317 | AFLAC | $6 | — | $6 | 0.00% |
| ROBIN REED3 | 871 RADIANCE DR CORDOVA, TN 38018 | AFLAC | $5 | — | $5 | 0.00% |
| BRIAN GEORGE JAEGGI3 | 2875 NW 28TH ST BOCA RATON, FL 33434 | AFLAC | $5 | — | $5 | 0.00% |
| AUDREY LYNN ENGLE3 | 2000 STRAND RD UNIT 2331 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $5 | — | $5 | 0.00% |
| JAMES E BACON3 | 25 MOUNTAIN HOME RD LONDONDERRY, NH 03053 | AFLAC | $4 | — | $4 | 0.00% |
| AMANDA L MOORE RHODES3 | 327 CHARLTON CT BLUFF CITY, TN 37618 | AFLAC | $4 | — | $4 | 0.00% |
| GINA M PURAZZO3 | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $3 | — | $3 | 0.00% |
| CHARITY TOUTON3 | 2190 MEALER RD LENOIR CITY, TN 37771 | AFLAC | $3 | — | $3 | 0.00% |
| JOHN KUNZ3 Filed as: JOHN M KUNZ | 17300 N DALLAS PKWY STE 1045 ADDISON, TX 75248 | AFLAC | $3 | — | $3 | 0.00% |
| DAVID JAMES RANDALL3 | 1960 CHESSON ST DUARTE, CA 91010 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY CORREAL3 | 442 DUCK HOLLOW RD UNIONTOWN, PA 15401 | AFLAC | $2 | — | $2 | 0.00% |
| LORI J THOMPSON3 | 1319 W MAIN ST GUN BARREL CITY, TX 75156 | AFLAC | $2 | — | $2 | 0.00% |
| GINA M PURAZZO3 | 1 BETHANY RD STE 98 HAZLET, NJ 07730 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES C FARMER JR3 | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $2 | — | $2 | 0.00% |
| KATHY DIANE JAMES CARLSON3 | 525 RIDGEWOOD ST LAKE DALLAS, TX 75065 | AFLAC | $2 | — | $2 | 0.00% |
| MANUEL ANTONIO MACHADO3 | 2 PLAZA PL PHILLIPSBURG, NJ 08865 | AFLAC | $1 | — | $1 | 0.00% |
| ERIC JOSEPH BELANCIC3 | 147 SENECA RD WHEELING, WV 26003 | AFLAC | $1 | — | $1 | 0.00% |
| JUSTIN M SANCHEZ3 | 124 GORDON ST CLIFTON, NJ 07011 | AFLAC | $1 | — | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4 EMBARCADERO CENTER STE 400 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $4K | — | $4K | 2.42% |
| CGF INSURANCE LLC3 | 22 CALLE GONZALEZ GIUSTI STE 200 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $7K | — | $7K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | GENWORTH LIFE INSURANCE COMPANY | $10K | — | $10K | 14.76% |
| SALUS GROUP3 | 38233 MOUND ROAD, BUILDING F STERLING HEIGHTS, MI 48310 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| SALUS GROUP3 | 38233 MOUND ROAD, BUILDING F STERLING HEIGHTS, MI 48310 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $563 | — | $563 | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $5.0M |
| CONDUENT NONE | Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 100 CAMPUS DR STE 200 FLORHAM PARK, NJ 07932 | $3.2M |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 CONTRACT ADMINISTRATOR | Direct payment from the plan; Participant communication; Claims processing; Contract Administrator Service code 12 | — | $639K |
| GMR EIN 46-1621810 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 15 | — | $592K |
| SMITH EDWARDS DUNLOP EIN 23-0539350 NONE | Copying and duplicating; Participant communication Service code 36 | — | $532K |
| MORGAN LEWIS & BOCKIUS EIN 23-0891050 NONE | Legal Service code 29 | — | $510K |
| MAESTRO HEALTH EIN 38-2779844 NONE | Contract Administrator Service code 13 | — | $322K |
| HEALTHIEST YOU EIN 30-0947669 NONE | Contract Administrator Service code 13 | — | $68K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Other services Service code 49 | — | $40K |
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 | 25,459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 156 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 25,615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(22 contracts, 18 carriers) | INDEPENDENCE ADMINISTRATORS | 10,367 | $118.2M |
| Dental(4 contracts, 4 carriers) | DELTA DENTAL OF PENNSYLVANIA | 39,488 | $13.9M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 22,185 | $2.6M |
| Life insurance | AFLAC | 368 | $271K |
| Short-term disability | AFLAC | 368 | $271K |
| Prescription drug(7 contracts, 7 carriers) | INDEPENDENCE BLUE CROSS | 625 | $9.9M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 20,145 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39,488 | — |
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.