| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $213K | $213K | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | PO BOX 746600 ATLANTA, GA 30374 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $50K | $50K | 0.53% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $27K | $27K | 1.05% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21K | $21K | 1.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 CONTRACT ADMINISTRATOR | Claims processing; Other insurance fees and expenses Service code 12 | — | $10.0M |
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Claims processing; Other insurance fees and expenses Service code 12 | — | $10.0M |
| DELTA DENTAL EIN 68-0652604 CONTRACT ADMINISTRATOR | Claims processing; Other insurance fees and expenses Service code 12 | — | $1.4M |
| WAGEWORKS EIN 94-3351864 CONTRACT ADMINISTRATOR | Claims processing; Other insurance fees and expenses Service code 12 | — | $261K |
| NEW YORK LIFE GROUP INSURANCE CO EIN 13-2556568 CONTRACT ADMINISTRATOR | Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $18K |
| METROPOLITAN LIFE INSURANCE CO EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $11K |
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 | 31,299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 431 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 31,730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INC. | 146 | $354K |
| Vision | EYEMED VISION CARE | 64,713 | $5.2M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 44,784 | $19.9M |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 31,566 | $9.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 45,296 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64,713 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.