| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | — | $370K | $370K | 1.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST, FL 6 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $226K | $226K | 1.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST, FL 6 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $140K | $140K | 1.56% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $53K | $53K | 1.36% |
| ANTHEM INSURANCE COMPANIES, INC.0 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INS CO. | — | $18K | $18K | 1.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COM LOCKBOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | — | $12K | $12K | 1.35% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE, SUITE 304 NAPLES, FL 34104 | UNUM INSURANCE COMPANY | $107K | $5K | $112K | 20.98% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE, SUITE 304 NAPLES, FL 34104 | UNUM INSURANCE COMPANY | $66K | $4K | $70K | 21.07% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE, SUITE 304 NAPLES, FL 34104 | UNUM INSURANCE COMPANY | $63K | $3K | $66K | 21.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INSURANCE & INVESTMENTS LLC | PO BOX 29157, MEB DIVISON DEPOSITOR NEW YORK, NY 10087 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 8.07% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE, SUITE 304 AVE NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 12.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.91% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 08875 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $805 | — | $805 | 0.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $269 | — | $269 | 0.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COM LOCKBOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | — | $257 | $257 | 1.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 4.54% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE, SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.57% |
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 | 44,701 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 131 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 44,832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 999 | $11.8M |
| Life insurance(4 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 72,576 | $27.8M |
| Long-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 24,215 | $25.6M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 999 | $10.0M |
| Other(8 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 44,607 | $9.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72,576 | — |
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.