| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | UNIMERICA INSURANCE COMPANY | $145K | — | $145K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INCLUDED HEALTH NONE | Direct payment from the plan; Other services Service code 49 | ONE CALIFORNIA STREET SUITE 2300 SAN FRANCISCO, CA 94111 | $1.5M |
| MERITAIN EIN 16-1264154 NONE | Non-monetary compensation; Claims processing; Participant communication; Contract Administrator; Named fiduciary; Direct payment from the plan; Other services; Float revenue Service code 12 | — | $1.2M |
| TELADOC HEALTH, INC. NONE | Direct payment from the plan; Other services Service code 49 | 270 PARK AVENUE NEW YORK, NY 10017 | $575K |
| CVS PHARMACY, INC. EIN 05-0340626 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Other services Service code 12 | — | $438K |
| CONTINENTAL AMERICAN INSURANCE CO. NONE | Direct payment from the plan; Claims processing; Contract Administrator; Insurance services Service code 12 | P.O. BOX 427 COLUMBIA, SC 29202 | $351K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Consulting (general) Service code 15 | — | $238K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Direct payment from the plan; Claims processing; Contract Administrator; Other services Service code 12 | — | $26K |
| PROGYNY NONE | Direct payment from the plan; Other services Service code 49 | 1359 BROADWAY NEW YORK, NY 10018 | $24K |
| REGIONS BANK EIN 63-0371391 TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $18K |
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 | 4,198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 386 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 4,579 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,579 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.