| 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 | — | $59K | $59K | 1.51% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 99 PARK AVE, 25TH FL NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $45K | $39K | $84K | 2.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60142 | HARTFORD LIFE AND ACCIDENT | — | $21K | $21K | 0.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4 RADNOR CORPORATE CENTER, STE 510 RADNOR, PA 19087 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 0.46% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 99 PARK AVE, 25TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $14K | $6K | $20K | 3.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4 RADNOR CORPORATE CENTER STE 510 RADNOR, PA 19087 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 1.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE, 21ST FL ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.56% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $351 | $351 | 0.07% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $14K | $6K | $20K | 5.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 4 RADNOR CORPORATE CNTR SUITE 510 RADNOR, PA 19087 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.97% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON STREET, 4TH FL NEW YORK, NY 10014 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $56K | — | $56K | 15.00% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 99 PARK AVE, 25TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $11K | $4K | $15K | 4.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4 RADNOR CORPORATE CENTER, STE 510 RADNOR, PA 19087 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 1.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 21ST FL ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.76% |
| AMERICAN BENEFIT & COMP SYSTEMS3 | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 6.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4 RADNOR CORPORATE CENTER STE 510 RADNOR, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 1.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER | 4 RADNOR CORP CNTR SUITE 510 RADNOR, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 8.00% |
| AMERICAN BENEFIT & COMP SYSTEMS3 | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 6.12% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON STREET, 4TH FL NEW YORK, NY 10014 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $4K | — | $4K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORP CENTER SUITE 510 RADNOR, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 39.54% |
| 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 | $9.8M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CLAIMS PROCESSOR | Contract Administrator Service code 13 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $866K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $528K |
| WAGEWORKS EIN 94-3351864 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | PO BOX 45772 SAN FRANCISCO, CA 94145 | $253K |
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 | 18,892 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 803 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 225 | $2.2M |
| Dental(5 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,093 | $1.0M |
| Vision | VISION SERVICE PLAN | 12,057 | $2.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 25,619 | $3.9M |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 9,020 | $678K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 20,982 | $2.9M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 18,892 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,619 | — |
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.