| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY 0118689 | — | $48 | $48 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY - 0101689 | — | $48 | $48 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY 0104884 | — | $48 | $48 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL 15TH FL DALLAS, TX 752314388 | HUMANA - 596816 | $38K | — | $38K | 4.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 80707 ATLANTA, GA 303660707 | HUMANA - 596816 | $2K | $330 | $2K | 0.20% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 11975 WESTLINE INDUSTRIAL DR STLOUIS, MO 63146 | UNITEDHEALTHCARE INSURANCE CO - 342147 | $28K | — | $28K | 3.02% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | METROPOLITAN PROPERTY & CASUALTY - 4490010 | — | $27 | $27 | 0.00% |
| PROGRESSIVE PLAN ADMINISTRATORS3 | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | JOHN HANCOCK LIFE INSURANCE COMPANY 28918 | $47K | — | $47K | 14.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 261 MADISON AVENUE 5TH FL NEW YORK, NY 10016 | JOHN HANCOCK LIFE INSURANCE COMPANY 28838 | $23K | — | $23K | 14.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY -0149457 | — | $48 | $48 | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY 0106459 | — | $48 | $48 | 0.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY 122383 | — | $48 | $48 | 0.04% |
| PROGRESSIVE PLAN ADMINISTRATORS3 | 261 MADISON AVENUE 5TH FL NEW YORK, NY 10016 | JOHN HANCOCK LIFE INSURANCE COMPANY 28702 | $14K | — | $14K | 14.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY - 0153513 | — | $48 | $48 | 0.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNION SECURITY INSURANCE COMPANY - 5479088 | $10K | — | $10K | 15.00% |
| PROGRESSIVE PLAN ADMINISTRATORS | 470 PARK AVENUE SOUTH 6TH FL NEW YORK, NY 10016 | JOHN HANCOCK LIFE INSURANCE COMPANY 28735 | $7K | — | $7K | 10.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | ONE FEDERAL ST 19TH FLOOR BOSTON, MA 02110 | KAISER FOUNDATION HEALTH PLAN OF HAWAII - 1329 | $731 | — | $731 | 1.46% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | FIRST UNUM LIFE INSURANCE COMPANY - 496491 | $5K | — | $5K | 14.83% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO | 11975 WESTLINE INDUSTRIAL DR ST LOUIS, MO 63146 | LINCOLN NATIONAL LIFE INSURANCE CO - 10183442 | $3K | — | $3K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY - 0151222 | — | $48 | $48 | 0.25% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO LLC | 11975 WESTLINE INDUSTRIAL DR ST LOUIS, MO 63146 | LINCOLN NATIONAL LIFE INSURANCE CO - 10183441 | $3K | — | $3K | 15.00% |
| PROGRESSIVE PLAN ADMINISTRATORS3 | 261 MADISON AVENUE 5TH FL NEW YORK, NY 10016 | JOHN HANCOCK LIFE INSURANCE COMPANY 28709 | $2K | — | $2K | 14.41% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO | 11975 WESTLINE INDUSTRIAL DR ST LOUIS, MO 63146 | LINCOLN NATIONAL LIFE INSURANCE - 10183440 | $2K | — | $2K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY & SCHILLING INC | 15200 OMEGA DR ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA - 205447 | $785 | $98 | $883 | 12.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIM ADMINISTRATION | Float revenue; Claims processing; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Other services; Contract Administrator Service code 12 | HARTFORD HARTFORD, CT 06152 | $617K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 200 PARK AVE NEW YORK, NY 10166 | $23K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $0 |
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 | 22,118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 479 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 22,597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | OXFORD HEALTH INSURANCE, INC - MU1031 | 3,400 | $6.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE 3213432 | 4,257 | $820K |
| Vision | VISION SERVICE PLAN 12270668 | 13,330 | $2.3M |
| Life insurance(7 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY 0118689 | 26,707 | $5.0M |
| Short-term disability(12 contracts, 12 carriers) | METROPOLITAN LIFE INSURANCE COMPANY 0118689 | 26,707 | $6.1M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY - 0101689 | 17,391 | $3.6M |
| Other(21 contracts, 21 carriers) | METROPOLITAN LIFE INSURANCE COMPANY 0118689 | 26,707 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,707 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.