| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $207K | $63K | $270K | 8.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE CO | $229K | — | $229K | 11.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE CO | $0 | $16K | $16K | 0.80% |
| MARSH & MCLENNAN AGENCY LLC | TRION GROUP 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE CO OF NORTH AMERICA | $0 | $7K | $7K | 0.67% |
| MARSH & MCLENNAN AGENCY LLC | TRION GROUP 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE CO OF NORTH AMERICA | $16K | $6K | $22K | 2.29% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES | PO BOX 207834 DALLAS, TX 75320 | LIFE INSURANCE CO OF NORTH AMERICA | $0 | $5K | $5K | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $100 | $2K | 26.32% |
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 | 10,447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORP | 182 | $1.3M |
| Dental | DELTA DENTAL | 6,394 | $327K |
| Vision | VISION SERVICE PLAN | 5,525 | $852K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 15,368 | $3.1M |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE CO OF NORTH AMERICA | 2,959 | $1.1M |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 5,671 | $962K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORP | 182 | $1.3M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE CO | 6,015 | $2.0M |
| Other(7 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,368 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,368 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.