| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $76K | $76K | 320.57% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $111 | $111 | 0.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS/CAREMARK EIN 05-0340626 NONE | Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $4.3M |
| UNITED HEALTHCARE EIN 41-1289245 NONE | Direct payment from the plan; Claims processing; Other fees Service code 12 | — | $2.3M |
| FORVIS MAZARS, LLP EIN 44-0160260 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $21K |
| BUCK GLOBAL LLC EIN 13-3954297 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $13K |
| JP MORGAN CHASE BANK, N.A. EIN 13-4994650 NONE | Securities brokerage commissions and fees; Non-monetary compensation; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Investment management fees paid indirectly by plan; Float revenue; Shareholder servicing fees; Other fees; Investment management Service code 21 | — | $9K |
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 | 710 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 602 | $24K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 602 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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.