| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P. O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 100 MATSONFORD RD. 4 RADNOR CORPORATE CTR STE 510 RADNOR, PA 190874559 | METROPOLITAN LIFE INSURANCE COMPANY | — | $75 | $75 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOHN HANCOCK EIN 13-3072894 NONE | Investment management Service code 28 | — | $1.2M |
| AON HEWITT EIN 22-2232264 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.0M |
| BCBSNC EIN 57-0287419 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Insurance agents and brokers Service code 12 | — | $819K |
| CVS CAREMARK EIN 05-0340626 NONE | Claims processing; Contract Administrator Service code 12 | — | $269K |
| NATIONAL LIFE INSURANCE CO. EIN 03-0144090 NONE | Investment management; Insurance services Service code 23 | — | $72K |
| ERNST & YOUNG U.S. LLP EIN 34-6565596 NONE | Accounting (including auditing) Service code 10 | — | $11K |
| JP MORGAN CHASE BANK, NA EIN 13-4994650 NONE | Trustee (directed) Service code 25 | — | $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 | 2,101 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 906 | $655K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 906 | — |
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.