| 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 | — | $365K | $365K | 1.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $60K | $60K | 0.33% |
| 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 | — | $99K | $99K | 1.13% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $55K | $55K | 1.42% |
| ANTHEM INSURANCE COMPANIES, INC.3 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INS CO. | — | $14K | $14K | 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 | 1.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | GPO BOX 27447 NEW YORK, NY 10087 | MINNESOTA LIFE INSURANCE COMPANY | $36K | — | $36K | 4.85% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE, SUITE 304 NAPLES, FL 34104 | UNUM INSURANCE COMPANY | $80K | $4K | $84K | 21.01% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE, SUITE 304 NAPLES, FL 34104 | UNUM INSURANCE COMPANY | $50K | — | $50K | 20.00% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE, SUITE 304 NAPLES, FL 34104 | UNUM INSURANCE COMPANY | $47K | $8K | $55K | 23.41% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE, SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 12.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $7 | $2K | 1.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $832 | — | $832 | 0.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $278 | — | $278 | 0.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COM LOCKBOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | — | $273 | $273 | 1.44% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE, SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $398 | — | $398 | 10.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | — | $92 | 2.44% |
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 | 43,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 43,039 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,001 | $11.6M |
| Life insurance(4 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 72,998 | $26.3M |
| Long-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 23,811 | $27.3M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,001 | $10.2M |
| Other(8 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 45,116 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72,998 | — |
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.