| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOUCHSTONE CONSULTING GROUP, INC.3 | 390 MAIN STREET SUITE 400 WORCESTER, MA 01608 | HYATT LEGAL PLANS | $52K | — | $52K | 9.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTHCARE EIN 59-1031071 NONE | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator Service code 12 | — | $11.5M |
| COMPSYCH EMPLOYEE ASST PROGRAMS INC EIN 36-3739783 NONE | Consulting (general) Service code 16 | — | $5.5M |
| TOWERS WATSON DELAWARE, INC. EIN 53-0181291 NONE | Consulting (general) Service code 16 | — | $2.2M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | — | $884K |
| NISA INVESTMENT ADVISORS LLC EIN 48-1140940 NONE | Investment management Service code 28 | — | $702K |
| TRUE VIEW SURGERY CENTRE ONE, LP EIN 20-1115593 NONE | Other fees Service code 99 | — | $700K |
| HEALTH ADVOCATE, INC. EIN 23-3080019 NONE | Consulting (general) Service code 16 | — | $425K |
| SIBSON CONSULTING EIN 13-1835864 NONE | Actuarial Service code 11 | — | $243K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Float revenue; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $117K |
| EXTEND HEALTH INC. EIN 26-0775680 NONE | Other fees Service code 99 | — | $72K |
| BDO USA, LLP EIN 13-5381590 NONE | Accounting (including auditing) Service code 10 | — | $58K |
| GUIDESPARK, INC EIN 26-2229814 NONE | Participant communication Service code 38 | — | $55K |
| MORNEAU SHEPELL SBC LIMITED EIN 45-4303723 NONE | Consulting (general) Service code 16 | — | $50K |
| TRAVIS SOFTWARE CORP EIN 76-0191515 NONE | Other fees Service code 99 | — | $45K |
| NORWEST INVESTMENT MANAGEMENT EIN 41-1592157 NONE | Investment management Service code 28 | — | $20K |
| ERNST & YOUNG US LLP EIN 34-6565596 NONE | Accounting (including auditing) Service code 10 | — | $10K |
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 | 19,434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,231 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES | 51 | $213K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 83,344 | $21.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 83,344 | $21.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 83,344 | $21.5M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 20,906 | $5.1M |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 83,344 | $22.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 83,344 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.