| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $82K | $82K | 1.74% |
| AMERICAN BENEFITS & COMP SYSTEMS | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | — | $24K | $24K | 0.61% |
| AMERICAN BENEFITS & COMP SYSTEMS | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | — | $69K | $69K | 2.54% |
| EDGEWOOD PARTNERS INSURANCE CENTER | 1140 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $75K | — | $75K | 15.00% |
| AMERICAN BENEFITS & COMP SYSTEMS | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 1.44% |
| AMERICAN BENEFITS & COMP SYSTEMS | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 2.59% |
| AMERICAN BENEFITS & COMP SYSTEMS | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 2.96% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $82K | $82K | 117.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER | 1140 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $4K | — | $4K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 41-1289245 | Other services; Claims processing Service code 12 | — | $10.8M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 | Contract Administrator Service code 13 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $3.9M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Contract Administrator; Claims processing Service code 12 | — | $526K |
| WAGEWORKS, INC. EIN 94-3351864 | Contract Administrator; Claims processing Service code 12 | — | $309K |
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 | 21,051 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,477 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 51 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $99K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMAPANY | 3,135 | $1.0M |
| Vision | VISION SERVICE PLAN | 13,902 | $2.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 28,178 | $4.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 24,198 | $2.7M |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 21,667 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,178 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.