| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST SUITE 940 CHICAGO, IL 606545015 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21K | $21K | 0.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE EIN 36-2739571 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1900 GOLF ROAD SUITE 500 SCHAUMBURG, IL 60673 | $3.4M |
| AON HEWITT EIN 36-2235971 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 39584 TREASURY CENTER CHICAGO, IL 60694 | $2.3M |
| GREAT WEST LIFE & ANNUITY INS CO EIN 84-0467907 RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.3M |
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 9901 SOUTH CENTRAL EXPWY RICHARDSON, TX 75080 | $1.1M |
| OPTUM HEALTH EIN 41-1858496 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 271256 SALT LAKE CITY, UT 84127 | $369K |
| EXPRESS SCRIPTS, INC EIN 43-1420563 ADMINISTRATION | Plan Administrator Service code 14 | 8111 ROYAL RIDGE PARKWAY SUITE 101 IRVING, TX 75063 | $125K |
| IBM MERCER EIN 13-2834414 RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1717 MAIN STREET DALLAS, TX 75201 | $70K |
| MAYER HOFFMAN MCCANN, PC EIN 43-1947695 ACCOUNTING | Accounting (including auditing) Service code 10 | 3101 N CENTRAL AVENUE PHOENIX, AZ 85012 | $36K |
| WILLIS TOWERS WATSON EIN 23-1159360 ACTUARY | Actuarial Service code 11 | TWO LINCOLN CENTER, SUITE 800 DALLAS, TX 752406290 | $29K |
| ADP EIN 22-1467904 ADMINISTRATION | Plan Administrator Service code 14 | 2735 NORTH STEMMONS EXPWY DALLAS, TX 75207 | $24K |
| AMERICAN AIRLINES, INC EIN 13-1502798 ADMINISTRATION | Plan Administrator Service code 14 | PO BOX 619616 MD 5134-HDQ1 DFW AIRPORT, TX 752619616 | $18K |
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 | 35,566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 596 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 35,524 | $6.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35,524 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.