| 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 | $43K | — | $43K | 9.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTHCARE EIN 59-1031071 NONE | Participant communication; Float revenue; Named fiduciary; Contract Administrator; Investment management fees paid indirectly by plan; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $3.1M |
| TOWERS WATSON DELAWARE, INC. EIN 53-0181291 NONE | Consulting (general) Service code 16 | — | $1.5M |
| HEALTH ADVOCATE, INC. EIN 23-3080019 NONE | Consulting (general) Service code 16 | — | $1.4M |
| NISA INVESTMENT ADVISORS LLC EIN 48-1140940 NONE | Investment management Service code 28 | — | $729K |
| COMPSYCH EMPLOYEE ASST PROGRAMS INC EIN 36-3739783 NONE | Consulting (general) Service code 16 | — | $575K |
| SIBSON CONSULTING EIN 13-1835864 NONE | Actuarial Service code 11 | — | $287K |
| LIFE INS CO OF NORTH AMERICA EIN 23-1503749 NONE | Insurance services Service code 23 | — | $191K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Float revenue Service code 21 | — | $130K |
| EXTEND HEALTH INC. EIN 26-0775680 NONE | Other fees Service code 99 | — | $113K |
| BDO USA, LLP EIN 13-5381590 NONE | Accounting (including auditing) Service code 10 | — | $58K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $57K |
| TRAVIS SOFTWARE CORP EIN 76-0191515 NONE | Other fees Service code 99 | — | $45K |
| ERNST & YOUNG US LLP EIN 34-6565596 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| NORWEST INVESTMENT MANAGEMENT EIN 41-1592157 NONE | Investment management Service code 28 | — | $23K |
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 | 15,469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,442 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,911 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES | 49 | $214K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,668 | $241K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 54,289 | $18.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 54,289 | $18.0M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 17,802 | $5.0M |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 54,289 | $18.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54,289 | — |
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.