| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17K | $17K | 0.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 41-1289245 CLAIM PROCESSING | Claims processing Service code 12 | 1900 GOLF ROAD SUITE 500 SCHAUMBURG, IL 60673 | $3.2M |
| ALIGHT SOLUTIONS, LLC EIN 82-1061233 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 95135 CHICAGO, IL 606945135 | $2.3M |
| GREAT WEST TRUST COMPANY EIN 84-0467907 RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | PO BOX 5520 DENVER, CO 80217 | $2.2M |
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 CLAIM PROCESSING | Claims processing Service code 12 | 9901 SOUTH CENTRAL EXPWY RICHARDSON, TX 75080 | $914K |
| EXPRESS SCRIPTS EIN 43-1420563 CLAIM PROCESSING | Claims processing Service code 12 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $102K |
| TRUVEN HEALTH ANALYTICS EIN 06-1467923 RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | PO BOX 71716 CHICAGO, IL 606949716 | $66K |
| MAYER HOFFMAN MCCANN, PC EIN 43-1947695 ACCOUNTING, AUDITING | Accounting (including auditing) Service code 10 | 1301 NORTH CENTRAL AVENUE PHOENIX, AZ 85102 | $36K |
| MERCER CONSULTING EIN 13-2834414 CONSULTING | Consulting (general) Service code 16 | 1717 MAIN STREET DALLAS, TX 75201 | $35K |
| AON CONSULTING EIN 22-2232264 CONSULTING | Consulting (general) Service code 16 | PO BOX 100137 PASADENA, CA 91189 | $24K |
| WILLIS TOWERS WATSON EIN 53-0181291 ACTUARY | Actuarial Service code 11 | TWO LINCOLN CENTER SUITE 800 DALLAS, TX 752406290 | $22K |
| AMERICAN AIRLINES EIN 13-1502798 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | PO BOX 619616 MD 5134-HDQ1 DFW AIRPORT, TX 752619616 | $16K |
| ERNST & YOUNG LLP EIN 34-6565596 ACCOUNTING | Accounting (including auditing) Service code 10 | 201 MAIN STREET SUITE 100 FORT WORTH, TX 76102 | $15K |
| STATE STREET BANK AND TRUST EIN 04-2456637 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 | $8K |
| NETWORK MEDICAL REVIEW EIN 76-0711128 CONSULTING | Consulting (general) Service code 16 | 4960 E STATE STREET ROCKFORD, IL 61108 | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33,839 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 33,839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 33,103 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,103 | — |
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.