| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | $180K | $548K | $728K | 51.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEWITT ASSOCIATES LLC EIN 36-2235791 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $3.5M |
| MEDCO CONTAINMENT LIFE INSURANCE CO EIN 42-1425239 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.9M |
| UNITED HEALTHCARE EIN 36-2739571 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $903K |
| AON CONSULTING, INC. EIN 22-2232264 NONE | Actuarial; Direct payment from the plan; Consulting (general); Participant communication Service code 11 | — | $195K |
| ERNST & YOUNG LLP EIN 34-6565596 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $152K |
| TRUVEN HEALTH ANALYTICS EIN 06-1467923 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $65K |
| MAX-IT MAILING & FULFULLMENT EIN 22-3788849 NONE | Direct payment from the plan; Participant communication Service code 38 | — | $53K |
| BLACKROCK INSTITUTIONAL TRUST CO EIN 94-3112180 NONE | Investment management; Other services; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $28K |
| EXPRESS SCRIPTS, INC EIN 22-3461740 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $24K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Custodial (securities); Trustee (directed); Other services; Direct payment from the plan; Float revenue; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $20K |
| TAX SAVER EIN 75-1761182 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $19K |
| UNIVERSAL MAILING SERVICE EIN 22-2381663 NONE | Direct payment from the plan; Participant communication Service code 38 | — | $15K |
| ALCATEL-LUCENT INVESTMENT MNGT EIN 22-3646524 AFFILIATE | Named fiduciary; Direct payment from the plan Service code 31 | — | $14K |
| CANDID LITHO EIN 13-3574319 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $13K |
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 | 89,210 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 89,210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 23,313 | $12.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 89,210 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89,210 | — |
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.