| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFS & COMP SYSTEMS INC3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $237K | $204K | $441K | 4.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $151K | $151K | 1.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $87K | $100 | $87K | 1.00% |
| AMERICAN BENEFS & COMP SYSTEMS INC3 Filed as: AMERICAN BENEFS & COMP SYSTEMS | 99 PARK AVE 25TH FL NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | — | $50K | 3.32% |
| LENOX ADVISORS INC3 | 90 PARK AVE NEW YORK, NY 10016 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $112K | $42K | $154K | 12.80% |
| AMERICAN BENEFS & COMP SYSTEMS INC3 | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $50K | $10K | $60K | 4.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC.-HQ | 10TH FLOOR 18100 VON KARMAN AVE IRVINE, CA 92612 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $23K | $23K | 1.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $16K | $16K | 1.30% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMP GROUP/SOUTHEAST INC | STE 200 3445 PEACHTREE RD ATLANTA, GA 30326 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $518 | $185 | $703 | 0.06% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $37 | $37 | 0.00% |
| AMERICAN BNFTS & COMP SYS INC3 Filed as: AMERICAN BNFTS & COMP SYSTEMS INC. | 101 PARK AVE FL 14 NEW YORK, NY 10178 | RELIASTAR LIFE INSURANCE COMPANY | $94K | — | $94K | 10.00% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY LLC | DBA ALIGHT SOLUTIONS LLC 4 OVERLOOK POINT LINCOLNSHIRE, IL 600694337 | RELIASTAR LIFE INSURANCE COMPANY | — | $38K | $38K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $141K | — | $141K | 20.00% |
| AMERICAN BENEFS & COMP SYSTEMS INC3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $12K | $29K | 5.01% |
| LENOX ADVISORS INC3 | 90 PARK AVE NEW YORK, NY 10016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34K | $12K | $46K | 13.30% |
| AMERICAN BENEFS & COMP SYSTEMS INC3 | 101 PARK AVENUE 14TH FL NEW YORK, NY 10178 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $3K | $18K | 5.24% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. -HQ | 10TH FLOOR 18100 VON KARMAN AVE IRVINE, CA 92612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $7K | $7K | 1.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 1.30% |
| AMERICAN BENEFS & COMP SYSTEMS INC3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 3.68% |
| AMERICAN BENEFS & COMP SYSTEMS INC3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 5.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3 RADNOR CORPORATE CTR STE 100 WAYNE, PA 190874516 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.36% |
| AMERICAN BENEFS & COMP SYSTEMS INC3 | 101 PARK AVE FL 14TH NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $322 | $322 | 3.54% |
| LENOX ADVISORS INC3 | 90 PARK AVE NEW YORK, NY 10016 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $250 | — | $250 | 28.38% |
| AMERICAN BENEFS & COMP SYSTEMS INC3 | 101 PARK AVENUE 14TH FL NEW YORK, NY 10178 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $70 | $18 | $88 | 9.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $72 | $72 | 8.17% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. -HQ | 10TH FLOOR 18100 VON KARMAN AVE IRVINE, CA 92612 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $62 | $62 | 7.04% |
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 | 8,487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 219 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 421 | $4.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,343 | $10.2M |
| Vision | VISION SERVICE PLAN | 5,678 | $1.5M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 10,858 | $11.4M |
| Short-term disability(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 10,858 | $12.6M |
| Long-term disability(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,858 | $12.4M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,032 | $14.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,343 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.