| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $225K | $0 | $225K | 1.31% |
| EVEREST FUNERAL PACKAGE LLC5 | 1300 POST OAK BLVD., SUITE 1210 HOUSTON, TX 770563163 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $23K | $23K | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE EIN 35-0781558 PARTY-IN-INTEREST | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $3.1M |
| UNITED HEALTHCARE EIN 36-2739571 PARTY-IN-INTEREST | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Other services Service code 12 | — | $1.5M |
| AETNA EIN 06-6033492 PARTY-IN-INTEREST | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing Service code 12 | — | $916K |
| OPTUM HEALTH (UBH) EIN 41-1591944 PARTY-IN INTEREST | Other services Service code 49 | — | $750K |
| MVP SELECT CARE EIN 14-1704347 PARTY-IN-INTEREST | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $570K |
| CVS CAREMARK EIN 20-8404182 PARTY-IN-INTEREST | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $247K |
| METROPOLITAN LIFE EIN 13-5581829 PARTY-IN-INTEREST | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $125K |
| TRUVEN EIN 06-1467923 PARTY-IN-INTEREST | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $90K |
| HEALTH STRATEGIES EIN 36-4826184 PARTY-IN-INTEREST | Consulting (general) Service code 16 | — | $83K |
| ERNST & YOUNG EIN 34-6565596 PARTY-IN INTEREST | Consulting (general) Service code 16 | — | $67K |
| BUDCO EIN 38-1622051 PARTY- INTEREST | Other services Service code 49 | — | $40K |
| HTA, LLC EIN 47-4919337 PARTY-IN INTEREST | Consulting (general) Service code 16 | — | $38K |
| WILLIS TOWERS WATSON EIN 53-0181291 PARTY-IN INTEREST | Participant communication Service code 38 | — | $33K |
| HPAI EIN 41-1693838 PARTY-IN-INTEREST | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $30K |
| ISLAND PEER REVIEW ORGANIZATION INC EIN 11-2662689 PARTY-IN-INTEREST | Other services Service code 49 | — | $14K |
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 | 28,662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 116,276 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,132 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149,070 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 12 carriers) | KAISER PERMANENTE - COLORADO | 320 | $7.2M |
| Dental | CIGNA DENTAL HEALTH | 654 | $562K |
| Vision | ANTHEM INSURANCE COMPANIES | 15,292 | $1.0M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 105,221 | $17.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105,221 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.