| 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 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63K | $63K | 1.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | HARTFORD LIFE AND ACCIDENT | $49K | — | $49K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2 PIERCE PLACE 21ST FL ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 0.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $482 | $482 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE 21ST FL ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 3.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19807 | HARTFORD LIFE AND ACCIDENT | — | $820 | $820 | 0.17% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH PA | $56K | — | $56K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 21ST FL ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | HARTFORD LIFE AND ACCIDENT | $532 | — | $532 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | 2 PIERCE PLACE ITASCA, IL 60143 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 7.27% |
| 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 | 7.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.63% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH PA | $4K | — | $4K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | ONE PENN PLAZA NEW YORK, NY 10119 | $8.4M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CLAIMS PROCESSOR | Contract Administrator Service code 13 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $580K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $525K |
| WAGEWORKS EIN 94-3351864 VENDOR | Claims processing; Contract Administrator Service code 12 | PO BOX 45772 SAN FRANCISCO, CA 94145 | $248K |
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 | 18,477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 836 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 19,313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 50 | $521K |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 101 | $687K |
| Vision | VISION SERVICE PLAN | 11,633 | $2.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 25,214 | $4.0M |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 8,609 | $765K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 20,566 | $2.4M |
| Other(2 contracts) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH PA | 18,475 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,214 | — |
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."
No prospect flags tripped on this filing.