| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $74K | $74K | 1.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON US LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $64 | $64 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 200 LIBERTY ST FLOOR 6 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $38K | $38K | 1.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 THIRD PARTY ADMIN | Participant communication; Contract Administrator; Float revenue; Other services; Claims processing; Direct payment from the plan; Named fiduciary; Non-monetary compensation Service code 12 | — | $6.0M |
| EXPRESS SCRIPTS, INC THIRD PARTY ADMIN | Claims processing Service code 12 | ONE EXPRESS WAY ST LOUIS, MO 63121 | $1.1M |
| CONSUMER MEDICAL THIRD PARTY ADMIN | Claims processing Service code 12 | 141 LONGWATER DRIVE SUITE 113-A NORWELL, MA 02061 | $493K |
| LINCOLN NATIONAL LIFE INSURANCE COM EIN 35-0472300 THIRD PARTY ADMIN | Claims processing; Insurance services; Contract Administrator Service code 12 | — | $305K |
| WAGEWORKS, INC. THIRD PARTY ADMIN | Claims processing Service code 12 | P.O. BOX 224547 DALLAS, TX 752224547 | $44K |
| EVERNORTH BEHAVIORAL HEALTH INC EIN 41-1648670 PLAN ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Participant communication; Claims processing Service code 12 | — | $12K |
| CIGNA | Contract Administrator; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $0 |
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 | 7,352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,395 | $10K |
| Vision | EYEMED | 14,710 | $889K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 16,287 | $5.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,281 | $2.6M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,287 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,287 | — |
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.