| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD SUITE 635 WOODLAND HILLS, CA 913672525 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29K | $29K | 0.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE EIN 36-2739571 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 1900 EAST GOLF ROAD SUITE 500 SCHAUMBURG, IL 60673 | $3.6M |
| AON HEWITT EIN 23-1503749 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $2.2M |
| JP MORGAN EIN 71-0930784 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | PO BOX 419874 KANSAS CITY, MO 75063 | $1.6M |
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 9901 SOUTH CENTRAL EXPRESSWAY RICHARDSON, TX 75080 | $1.3M |
| IBM MERCER EIN 13-2834414 RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1717 MAIN STREET DALLAS, TX 75201 | $422K |
| OPTUM HEALTH EIN 41-1858496 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | PO BOX 271256 SALT LAKE CITY, UT 84127 | $355K |
| EXPRESS SCRIPTS, INC EIN 43-1420563 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 8111 ROYAL RIDGE PARKWAY SUITE 101 IRVING, TX 75063 | $139K |
| STATE STREET EIN 04-1867445 BANK TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | CROWN COLONY OFFICE PARK 1200 CROWN COLONY DRIVE, 5TH FLOOR QUINCY, MA 02169 | $50K |
| MAYER HOFFMAN MCCANN, PC EIN 43-1947695 INDEPENDENT AUDITOR | Accounting (including auditing) Service code 10 | 3101 NORTH CENTRAL AVENUE PHOENIX, AZ 85012 | $37K |
| ERNST & YOUNG, LLP EIN 34-6565596 ACCOUNTING | Accounting (including auditing) Service code 10 | 201 MAIN STREET SUITE 1100 DALLAS, TX 75201 | $32K |
| WILLIS TOWERS WATSON EIN 23-1159360 ACTUARY | Actuarial Service code 11 | TWO LINCOLN CENTER, SUITE 800 5420 LBJ FREEWAY DALLAS, TX 752406290 | $31K |
| AMERICAN AIRLINES, INC. EIN 13-1502798 ADMINISTRATION | Claims processing Service code 12 | PO BOX 619616 MD 5134-HDQ1 DFW AIRPORT, TX 752619616 | $30K |
| ADP EIN 22-1467904 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 2735 NORTH STEMMONS FREEWAY DALLAS, TX 75207 | $7K |
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 | 37,075 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 630 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 37,778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 37,002 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,002 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.