| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | UNIMERICA INSURANCE COMPANY | $149K | — | $149K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN EIN 16-1264154 NONE | Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Claims processing; Non-monetary compensation; Float revenue; Participant communication Service code 12 | — | $1.6M |
| QUANTUM HEALTH NONE | Direct payment from the plan; Other services Service code 49 | 7450 HUNTINGTON PARK DRIVE COLUMBUS, OH 43235 | $1.5M |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing; Other services; Direct payment from the plan; Contract Administrator Service code 12 | — | $1.0M |
| INCLUDED HEALTH NONE | Direct payment from the plan; Other services Service code 49 | ONE CALIFORNIA STREET SUITE 2300 SAN FRANCISCO, CA 94111 | $386K |
| CONTINENTAL AMERICAN INSURANCE CO. NONE | Direct payment from the plan; Insurance services; Contract Administrator; Claims processing Service code 12 | P.O. BOX 427 COLUMBIA, SC 29202 | $374K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan; Other services Service code 15 | — | $238K |
| PROGYNY NONE | Direct payment from the plan; Other services Service code 49 | 1359 BROADWAY NEW YORK, NY 10018 | $25K |
| REGIONS BANK EIN 63-0371391 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan 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 | 4,844 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 99 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 4,910 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,910 | — |
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.