| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | 1335 MADISON AVE FLOOR 20 BUFFALONEW YORK, NY 10017 | RELIASTAR LIFE INSURANCE COMPANY | — | $138K | $138K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVE FLOOR 20 NEW YORK, NY 10017 | RELIASTAR LIFE INSURANCE COMPANY | — | $138K | $138K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN EIN 16-1264154 NONE | Named fiduciary; Contract Administrator; Direct payment from the plan; Float revenue; Non-monetary compensation; Claims processing; Participant communication; Other services Service code 12 | — | $1.4M |
| QUANTUM HEALTH NONE | Direct payment from the plan; Other services Service code 49 | 7450 HUNTINGTON PARK DRIVE COLUMBUS, OH 43235 | $1.4M |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing; Contract Administrator; Other services; Direct payment from the plan Service code 12 | — | $705K |
| GRAND ROUNDS INC NONE | Other services; Direct payment from the plan Service code 49 | 360 3RD STREET SUITE 425 SAN FRANSICO, CA 94107 | $343K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Other services; Consulting (general); Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $238K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Insurance services Service code 12 | — | $124K |
| WEIGHT WATCHERS NONE | Direct payment from the plan; Other services Service code 49 | 11 MADISON AVENUE NEW YORK, NY 10010 | $81K |
| DOCTOR ON DEMAND INC EIN 46-1326978 NONE | Other services; Direct payment from the plan Service code 49 | — | $78K |
| 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 | 4,597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 937 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 4,653 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,653 | — |
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 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.