| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC5 Filed as: WILLIS TOWERS WATSON US, LLC | 800 NORTH GLEBE ROAD ARLINGTON, VA 22203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $8K | $15K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | — | UNIVERSITY HEALTH ALLIANCE | $3K | — | $3K | 4.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE SERVICES, LLC EIN 47-0854646 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $10.6M |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Recordkeeping fees Service code 15 | — | $1.7M |
| ALIGHT HOLDING COMPANY LLC EIN 82-1061233 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $443K |
| TELADOC PHYSICIANS PA EIN 04-3705970 NONE | Direct payment from the plan Service code 50 | — | $182K |
| CONSUMER MEDICAL RESOURCE INC EIN 82-1061233 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $148K |
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 | 14,447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 118 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,978 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 239 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 239 | $1.4M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 100 | $983K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
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.