| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7 | $7 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 41-1289245 CLAIMS PROCESSING | Claims processing Service code 12 | — | $3.7M |
| ALIGHT SOLUTIONS, LLC EIN 82-1061233 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $2.0M |
| GREAT WEST TRUST COMPANY EIN 84-0467907 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.0M |
| HEALTHCARE SERVICE CORPORATION EIN 36-1236610 CLAIMS PROCESSING | Claims processing Service code 12 | — | $369K |
| WILLIS TOWERS WATSON EIN 53-0181291 ACTUARY | Actuarial Service code 11 | — | $109K |
| IBM EIN 13-0871985 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $45K |
| MAYER HOFFMAN MCCANN, PC EIN 43-1947695 AUDITOR | Accounting (including auditing) Service code 10 | — | $31K |
| EXPRESS SCRIPTS EIN 43-1420563 CLAIMS PROCESSING | Claims processing Service code 12 | — | $25K |
| ERNST & YOUNG, LLP EIN 34-6565596 ACCOUNTING | Accounting (including auditing) Service code 10 | — | $14K |
| STATE STREET BANK & TRUST EIN 04-2456637 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $6K |
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 | 30,294 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 30,294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 29,785 | $6.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,785 | — |
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.