| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $193 | $193 | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $5 | $5 | 1.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA, IN EIN 54-0357120 THIRD PARTY ADMINISTRATO | Contract Administrator; Claims processing; Other services; Direct payment from the plan; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $107K |
| KPMG LLP EIN 13-5565207 PLAN AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $71K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE, INV. MGMT & ADV | Investment management fees paid directly by plan; Investment advisory (plan); Trustee (bank, trust company, or similar financial institution); Soft dollars commissions; Account maintenance fees; Direct payment from the plan; Trustee (directed); Investment management; Other investment fees and expenses Service code 21 | — | $49K |
| WILLIS TOWERS WATSON EIN 26-0775680 HRA ADMIN AND MEDCO EGWP | Other fees; Direct payment from the plan; Other services Service code 49 | — | $19K |
| EY EIN 34-6565596 TAX FORM PREPARER | Consulting (general); Direct payment from the plan Service code 16 | — | $16K |
| STANDISH MELLON ASSET MGMT CO, LLC EIN 25-1890416 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $15K |
| CROWE LLP EIN 35-0921680 FINANCIAL STATEMENT PREP | Accounting (including auditing); Consulting (general); Direct payment from the plan Service code 10 | — | $15K |
| PRIME THERAPEUTICS LLC EIN 26-0076803 PHARMACY BENEFIT MANAGER | Participant communication; Float revenue; Recordkeeping fees; Other fees; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan Service code 12 | — | $11K |
| AON CONSULTING EIN 22-2232264 FORM 5500 PREPARER | Direct payment from the plan; Consulting (general) 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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 617 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 56 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 56 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.