| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRION GROUP, INC.3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.64% |
| TRION GROUP, INC.3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19460 | AETNA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KPMG LLP EIN 13-5565207 PLAN AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $72K |
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 THIRD-PARTY ADMINISTRATO | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Float revenue; Claims processing; Other services; Direct payment from the plan; Recordkeeping fees; Contract Administrator; Non-monetary compensation Service code 12 | — | $68K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE, INV ADV & MGMT | Float revenue; Account maintenance fees; Other fees; Trustee (bank, trust company, or similar financial institution); Other investment fees and expenses; Investment management fees paid directly by plan; Trustee (directed); Investment advisory (plan); Investment management; Direct payment from the plan Service code 21 | — | $62K |
| FIDELITY INV INST OPS CO, INC. EIN 04-2647786 RECORDKEEPER | Direct payment from the plan; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 15 | — | $57K |
| WILLIS TOWERS WATSON EIN 26-0775680 HSA ADMINISTRATION | Direct payment from the plan; Other services; Other fees Service code 49 | — | $27K |
| ERNST & YOUNG LLP EIN 34-6565596 TAX FORM PREPARER | Consulting (general); Direct payment from the plan Service code 16 | — | $24K |
| STANDISH MELLON ASSET MGMT CO, LLC EIN 25-1890416 INVESTMENT MANAGER | Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $23K |
| CROWE HORWATH LLP EIN 35-0921680 FINANCIAL STATEMENT PREP | Accounting (including auditing); Direct payment from the plan; Consulting (general) Service code 10 | — | $14K |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 THIRD-PARTY ADMINISTRATO | Contract Administrator; Claims processing; Participant communication; Recordkeeping fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $12K |
| PRIME THERAPEUTICS LLC EIN 26-0076803 PHARMACY BENEFIT MANAGER | Direct payment from the plan; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Other services; Participant communication Service code 12 | — | $9K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 THIRD-PARTY ADMINISTRATO | Recordkeeping fees; Float revenue; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Other services; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $5K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 THIRD PARTY ADMINISTRATO | Other services Service code 49 | — | $0 |
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 | 1,316 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 395 | $3.6M |
| Life insurance(2 contracts) | AETNA LIFE INSURANCE COMPANY | 403 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.