| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E VITALE JR3 | 420 CENTER STREET WALLINGFORD, CT 06492 | HARTFORD LIFE INSURANCE COMPANY | $157K | — | $157K | 1.48% |
| GARY F. SCHETTINO3 | P.O. BOX 535 NORTH BRANFORD, CT 06471 | HARTFORD LIFE INSURANCE COMPANY | $157K | — | $157K | 1.48% |
| WEB TPA3 Filed as: WEB-TPA EMPLOYER SERVICES LLC | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE INSURANCE COMPANY | $2K | — | $2K | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA INC EIN 06-6033492 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $437K |
| YALE UNIVERSITY EIN 06-0646973 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $181K |
| HEWITT ASSOCIATES EIN 36-2253791 ACTUARY | Actuarial Service code 11 | — | $140K |
| NORTHERN TRUST EIN 36-1561860 CUSTODIAN | Custodial (securities); Other investment fees and expenses Service code 19 | — | $137K |
| TRIGRAN EIN 36-3825728 INVESTMENT MANAGER | Investment management Service code 28 | — | $123K |
| MORGAN STANLEY EIN 13-2655998 BROKER | Other investment fees and expenses Service code 72 | — | $74K |
| DELOITTE TAX LLP EIN 86-1065772 TAX ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $70K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4008324 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $59K |
| BLACKROCK INSTITUTIONAL TRUST CO NA EIN 94-3112180 INVESTMENT MANAGER | Direct payment from the plan; Trustee (discretionary); Valuation (appraisals, etc.); Investment management; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan Service code 21 | — | $25K |
| AON CONSULTING EIN 22-2232264 ACTUARY | Actuarial Service code 11 | — | $7K |
| BROOKDALE REALTY SERVICES LLC EIN 58-2124234 INVESTMENT MANAGER | Investment management Service code 28 | — | $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 | 15,031 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,360 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE COMPANY | 4,030 | $10.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,030 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.