Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Aon Consulting Inc Life | Life | |
Dental | Dental |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 2 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
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 | 51,441 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 51,441 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 15,267 | $6.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 51,073 | $85.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 51,073 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Metropolitan Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); 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 | — | $232K |
| AON CONSULTING, INC. EIN 22-2232264 NONE | Consulting (general); Direct payment from the plan; Actuarial; Participant communication Service code 11 | — | $144K |
| NOKIA INVESTMENT MANAGEMENT CORP. EIN 22-3646524 AFFILIATE | Direct payment from the plan; Other services Service code 49 | — | $86K |
| MERATIVE EIN 88-1430661 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $73K |
| MERCER INVESTMENTS LLC EIN 30-0282430 NONE | Investment management fees paid directly by plan; Direct payment from the plan Service code 50 | — | $44K |
| ALSTON & BIRD EIN 58-0137615 NONE | Legal; Direct payment from the plan Service code 29 | — | $44K |
| BLACKROCK INSTITUTIONAL TRUST CO. EIN 94-3112180 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Trustee (discretionary); Investment management fees paid directly by plan; Investment management Service code 21 | — | $39K |
| BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE | Trustee (directed); Other services; Trustee (bank, trust company, or similar financial institution); Float revenue; Direct payment from the plan; Custodial (securities) Service code 19 | — | $21K |
| UNITED HEALTHCARE EIN 36-2739571 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $12K |
| RICHARD CASH NONE | Direct payment from the plan; Consulting (general) Service code 16 | 203 CORNELL BLVD. BRIDGEWATER, NJ 088072423 | $6K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
7 contacts
Phone and email for the actuary are on Pro.
11 filings · 2015 to 2025