| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC. | PO BOX 9102 PO BOX 8500 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $67K | $67K | 1.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | HARTFORD LIFE INSURANCE CO. | $79K | — | $79K | 2.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SVCS INC | 2 PIERCE PLACE 21ST FL ITASCA, IL 60143 | HARTFORD LIFE INSURANCE CO. | — | $30K | $30K | 0.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $56K | — | $56K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA | PO BOX 9102 PO BOX 8500 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.99% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | NATIONAL UNION FIRE CO OF PITTSBURGH, PA | $4K | — | $4K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CLAIMS PROCESSOR | Contract Administrator Service code 13 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $25.4M |
| UNITED HEALTHCARE SERVICES LLC EIN 47-0854646 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | ONE PENN PLAZA NEW YORK, NY 10119 | $9.4M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACTS ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $932K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $465K |
| WAGEWORKS EIN 94-3351864 VENDOR | Contract Administrator; Claims processing Service code 12 | PO BOX 45772 SAN FRANCISCO, CA 94145 | $244K |
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 | 18,220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,034 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 19,254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 39 | $571K |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 2,962 | $1.4M |
| Vision | VISION SERVICE PLAN | 11,346 | $1.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 25,438 | $4.1M |
| Long-term disability | HARTFORD LIFE INSURANCE CO. | 20,966 | $3.1M |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 18,220 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,438 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.