| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | — | $128K | $128K | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $58K | $79K | 2.13% |
| BLUE CROSS BLUE SHIELD OF FLORIDA0 Filed as: BLUE CROSS BLUE SHIELD TENNESSEE | 1 CAMERON HILL CHATTANOOGA, TN 37402 | FOUR EVER LIFE INS CO. | — | $40K | $40K | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK STREET SUITE 940 CHICAGO, IL 60654 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 1.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | METLIFE LEGAL PLANS | $27K | $3K | $30K | 10.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | $5K | $11K | $16K | 5.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | — | $1K | $1K | 0.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF TENNESSEE EIN 62-0427913 NONE | Contract Administrator Service code 13 | — | $6.5M |
| GEOBLUE (WORLD WISE INS. SERVICES) EIN 23-2903313 NONE | Insurance services Service code 23 | — | $3.0M |
| EYEMED (FIDELITY SECURITY INS.) EIN 43-0949844 NONE | Insurance services Service code 23 | — | $3.0M |
| ALIGHT NONE | Consulting (general) Service code 16 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | $2.5M |
| PREMISE HEALTH EMPLOYER SOLUTIONS EIN 45-1806308 NONE | Insurance services; Other services Service code 23 | — | $1.5M |
| PLUS ONE HOLDING EIN 13-3613705 NONE | Other services Service code 49 | — | $1.5M |
| OPTUMRX, INC. EIN 33-0441200 NONE | Float revenue; Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $951K |
| BEACON EMPLOYEE ASSISTANCE NONE | Claims processing; Contract Administrator Service code 12 | 200 STATE STREET BOSTON, MA 02109 | $851K |
| DELOITTE CONSULTING, LLP EIN 06-1454513 NONE | Accounting (including auditing); Consulting (general) Service code 10 | — | $658K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 NONE | Contract Administrator; Claims processing Service code 12 | — | $559K |
| THE REED GROUP (GUARDIAN LIFE) EIN 13-5123390 NONE | Contract Administrator; Claims processing Service code 12 | — | $522K |
| ADVANCE MEDICAL NONE | Direct payment from the plan; Contract Administrator Service code 13 | 1250 HANCOCK STREET QUINCY, MA 02169 | $444K |
| PSG CONSULTING EIN 27-2345574 NONE | Consulting (general) Service code 16 | — | $255K |
| PREMISE HEALTH EIN 45-1806308 NONE | Insurance services; Other services Service code 23 | — | $218K |
| JOHNS HOPKINS EIN 52-1899357 NONE | Other services Service code 49 | — | $114K |
| HAWAII MEDICAL EIN 99-0040115 NONE | Contract Administrator; Claims processing Service code 12 | — | $52K |
| MERCER HEALTH & BENEFITS LLC EIN 13-2834414 NONE | Consulting (general) Service code 16 | — | $37K |
| CHANGE HEALTHCARE EIN 26-1147719 NONE | Other services Service code 49 | — | $36K |
| LBMC EIN 62-1199757 NONE | Accounting (including auditing) Service code 10 | — | $29K |
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 | 16,356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,989 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FOUR EVER LIFE INS CO. | 291 | $2.8M |
| Dental | FOUR EVER LIFE INS CO. | 291 | $2.8M |
| Vision(5 contracts, 2 carriers) | FOUR EVER LIFE INS CO. | 22,705 | $5.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 16,199 | $9.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,561 | $3.7M |
| Prescription drug | HMSA | 8 | $37K |
| Other(4 contracts, 4 carriers) | BEACON HEALTH OPTIONS, INC | 20,618 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,705 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.