| 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 | — | $59K | $59K | 1.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | MIDWEST 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 0.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 THIRD PARTY ADMIN | Other services; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan; Named fiduciary; Contract Administrator; Float revenue Service code 12 | — | $4.8M |
| EXPRESS SCRIPTS, INC THIRD PARTY ADMIN | Claims processing Service code 12 | ONE EXPRESS WAY ST LOUIS, MO 63121 | $524K |
| CONSUMER MEDICAL THIRD PARTY ADMIN | Claims processing Service code 12 | 141 LONGWATER DRIVE SUITE 113-A NORWELL, MA 02061 | $373K |
| EVERNORTH BEHAVIORAL HEALTH INC EIN 41-1648670 PLAN ADMINISTRATOR | Participant communication; Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $322K |
| LINCOLN NATIONAL LIFE INSURANCE COM EIN 35-0472300 THIRD PARTY ADMIN | Contract Administrator; Claims processing; Insurance services Service code 12 | — | $250K |
| WAGEWORKS, INC. THIRD PARTY ADMIN | Claims processing Service code 12 | P.O. BOX 224547 DALLAS, TX 752224547 | $63K |
| CIGNA | Float revenue; Claims processing; Participant communication; Other services; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Contract Administrator 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 | 7,982 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,730 | $11K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,968 | $3.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,920 | $2.0M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,968 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,968 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.