| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 10087 | MINNESOTA LIFE INSURANCE COMPANY | $250K | $112K | $362K | 7.24% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $68K | — | $68K | 1.67% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 10087 | MINNESOTA LIFE INSURANCE COMPANY | — | $59K | $59K | 2.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4 EMBARCADERO CTR STE 400 SAN FRANCISCO, CA 94111 | UNHITEDHEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 13.30% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 10087 | MINNESOTA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 7.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 11.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2571 NW ALPINE CREST WAY ISSAQUAH, WA 98027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $140 | $140 | 0.18% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 10087 | MINNESOTA LIFE INSURANCE COMPANY | — | $910 | $910 | 2.25% |
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 | 16,122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 220 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 209 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNHITEDHEALTHCARE INSURANCE COMPANY | 106 | $384K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 22,306 | $18.1M |
| Vision(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 16,125 | $4.1M |
| Other(8 contracts, 4 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 16,143 | $9.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,306 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.