| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | — | $135K | $135K | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KPMG LLP EIN 13-5565207 PLAN AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $66K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE | Trustee (directed); Other services; Soft dollars commissions; Investment management fees paid indirectly by plan; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Float revenue Service code 21 | — | $14K |
| CROWE LLP EIN 35-0921680 FINANCIAL STATEMENT PREP | Consulting (general); Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $14K |
| EY EIN 34-6565596 TAX FORM PREPARER | Consulting (general); Direct payment from the plan Service code 16 | — | $11K |
| AON CONSULTING, INC. EIN 22-2232264 FORM 5500 PREPARER | Consulting (general); Direct payment from the plan Service code 16 | — | $5K |
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 | 65,337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 582 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 65,919 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 64,234 | $17.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64,234 | — |
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.
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.