| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $173K | $525K | $698K | 0.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 13 | — | $3.0M |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $328K |
| AON CONSULTING, INC. EIN 22-2232264 NONE | Participant communication; Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $159K |
| MERATIVE EIN 88-1430661 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $73K |
| NOKIA INVESTMENT MANAGEMENT CORP. EIN 22-3646524 AFFILIATE | Named fiduciary; Direct payment from the plan Service code 31 | — | $52K |
| BLACKROCK INSTITUTIONAL TRUST CO. EIN 94-3112180 NONE | Direct payment from the plan; Trustee (discretionary); Investment management; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan Service code 21 | — | $34K |
| ALSTON & BIRD EIN 58-0137615 NONE | Legal; Direct payment from the plan Service code 29 | — | $25K |
| UNIVERSAL MAILING SERVICE EIN 22-2381663 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $24K |
| BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE | Custodial (securities); Float revenue; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Trustee (directed); Other services Service code 19 | — | $23K |
| SEYFARTH SHAW EIN 36-2152202 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
| RICHARD CASH NONE | Consulting (general); Direct payment from the plan Service code 16 | 203 CORNELL BLVD. BRIDGEWATER, NJ 088072423 | $6K |
| UNITED HEALTHCARE EIN 36-2739571 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $5K |
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 | 54,923 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 54,923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 18,029 | $7.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 54,633 | $88.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54,633 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.