| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $400 | $400 | 1.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 41-1289245 NONE | Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $296K |
| SILVERSCRIPTS EIN 11-2580136 NONE | Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $52K |
| HEALTHEQUITY EIN 52-2383166 NONE | Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $42K |
| CVS/CAREMARK EIN 05-0340626 NONE | Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $38K |
| FORVIS MAZARS, LLP EIN 44-0160260 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| BUCK GLOBAL LLC EIN 13-3954297 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $12K |
| JP MORGAN CHASE BANK, N.A. EIN 13-4994650 NONE | Investment management fees paid indirectly by plan; Float revenue; Non-monetary compensation; Investment management; Other fees; Shareholder servicing fees; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Securities brokerage commissions and fees Service code 21 | — | $8K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 660 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.