| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $91K | $91K | 2.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2 PIERCE PLACE 21ST FL ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $69K | $69K | 2.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | HARTFORD LIFE AND ACCIDENT | $56K | — | $56K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 3.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 21ST FL ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 2.74% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $57K | — | $57K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE ITASCA, IL 60143 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLGHER BENEFIT SERVICES INC | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 5.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 21ST FL ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 2.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE ITASCA, IL 60143 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 8.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.41% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | NATION UNION FIRE INS. CO. OF PITTSBURGH, PA | $4K | — | $4K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | ONE PENN PLAZA NEW YORK, NY 10119 | $9.5M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $927K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $519K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CLAIMS PROCESSOR | Contract Administrator Service code 13 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $393K |
| WAGEWORKS EIN 94-3351864 VENDOR | Contract Administrator; Claims processing Service code 12 | PO BOX 45772 SAN FRANCISCO, CA 94145 | $251K |
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 | 18,496 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 942 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 19,438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 23 | $510K |
| Dental(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 3,061 | $1.4M |
| Vision | VISION SERVICE PLAN | 11,525 | $2.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 25,376 | $4.3M |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 8,147 | $627K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 20,785 | $2.8M |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 18,500 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,376 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.