| 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 | $45K | — | $45K | 10.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $541 | $541 | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTHCARE EIN 59-1031071 NONE | Other services; Float revenue; Direct payment from the plan; Contract Administrator; Participant communication; Named fiduciary; Investment management fees paid indirectly by plan; Claims processing; Non-monetary compensation Service code 12 | — | $9.8M |
| 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 | — | $1.5M |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Other fees Service code 99 | — | $1.1M |
| NISA INVESTMENT ADVISORS LLC EIN 48-1140940 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $792K |
| HEALTHROADS, INC. EIN 33-0783504 NONE | Other fees Service code 99 | — | $445K |
| ALL STATE EIN 59-0781901 NONE | Insurance services Service code 23 | — | $325K |
| SIBSON CONSULTING EIN 13-1835864 NONE | Actuarial Service code 11 | — | $293K |
| CARE OPERATIVE LLC EIN 20-8981027 NONE | Consulting (general) Service code 16 | — | $157K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Float revenue Service code 21 | — | $144K |
| TOWERS WATSON OF PENNSYLVANIA, INC. EIN 23-1159360 NONE | Consulting (general) Service code 16 | — | $119K |
| TOWERS WATSON EIN 26-0775680 NONE | Consulting (general) Service code 16 | — | $89K |
| BUSINESSOLVER.COM, INC EIN 42-1503807 NONE | Consulting (general) Service code 16 | — | $72K |
| BDO USA, LLP EIN 13-5381590 NONE | Accounting (including auditing) Service code 10 | — | $60K |
| EXTEND HEALTH INC. EIN 26-0775680 NONE | Other fees Service code 99 | — | $33K |
| GUIDESPARK, INC. EIN 26-2229814 NONE | Other fees Service code 99 | — | $30K |
| TRAVIS SOFTWARE CORP EIN 76-0191515 NONE | Other fees Service code 99 | — | $28K |
| SCHIELE GRAPHICS EIN 36-2430120 NONE | Consulting (general) Service code 16 | — | $26K |
| ERNST & YOUNG US LLP EIN 34-6565596 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| DOEREN MAYHEW EIN 36-4745545 NONE | Accounting (including auditing) Service code 10 | — | $23K |
| NORWEST INVESTMENT MANAGEMENT EIN 41-1592157 NONE | Investment management Service code 28 | — | $23K |
| TRUE VIEW SURGERY CENTRE ONE, LP EIN 20-1115593 NONE | Other fees Service code 99 | — | $23K |
| HEALTH EFX EIN 46-1243269 NONE | Consulting (general) Service code 16 | — | $14K |
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 | 22,364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,477 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES | 41 | $179K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,452 | $352K |
| Vision | VISION SERVICE PLAN | 4,135 | $900K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 73,825 | $23.6M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,452 | $352K |
| Other(7 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 73,825 | $24.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73,825 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.