| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVENUE FLOOR 20 NEW YORK, NY 100174633 | RELIASTAR LIFE INSURANCE COMPANY | — | $249K | $249K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN EIN 16-1264154 NONE | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $2.9M |
| QUANTUM HEALTH NONE | Other services Service code 49 | 7450 HUNTINGTON PARK DRIVE COLUMBUS, OH 43235 | $2.4M |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Contract Administrator; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $1.2M |
| GRAND ROUNDS INC NONE | Other services Service code 49 | 360 3RD STREET SUITE 425 SAN FRANSICO, CA 94107 | $847K |
| LIBERTY MUTUAL INSURANCE NONE | Contract Administrator; Insurance services; Claims processing Service code 12 | 175 BERKELEY STREET BOSTON, MA 02116 | $501K |
| CENTRAL OHIO PRIMARY CARE NONE | Other services Service code 49 | 655 AFRICA ROAD WESTERVILLE, OH 43082 | $337K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Other services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $246K |
| WEIGHT WATCHERS NONE | Other services Service code 49 | 11 MADISON AVENUE NEW YORK, NY 10010 | $138K |
| DOCTOR ON DEMAND INC EIN 46-1326978 NONE | Other services Service code 49 | — | $17K |
| REGIONS BANK EIN 63-0371391 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $15K |
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 | 5,746 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 359 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 286 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 6,291 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,291 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.