| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $180K | $572K | $752K | 1.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 13 | — | $2.9M |
| EXPRESS SCRIPTS, INC EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.6M |
| AON CONSULTING, INC. EIN 22-2232264 NONE | Consulting (general); Actuarial; Direct payment from the plan; Participant communication Service code 11 | — | $335K |
| IBM WATSON HEALTH EIN 13-0871985 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $236K |
| UNITED HEALTHCARE EIN 36-2739571 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $236K |
| NOKIA INVESTMENT MNGMT CORP. EIN 22-3646524 AFFILIATE | Direct payment from the plan; Named fiduciary Service code 31 | — | $45K |
| PRICEWATERHOUSE COOPERS LLC EIN 13-4008324 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| BLACKROCK INSTITUTIONAL TRUST CO EIN 94-3112180 NONE | Trustee (bank, trust company, or similar financial institution); Investment management; Direct payment from the plan; Investment management fees paid directly by plan; Trustee (discretionary) Service code 21 | — | $25K |
| BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE | Custodial (securities); Float revenue; Trustee (directed); Other services; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 19 | — | $23K |
| SEPIRE LLC EIN 30-1111822 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $20K |
| CANDID LITHO EIN 13-3574319 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $14K |
| UNIVERSAL MAILING SERVICE EIN 22-2381663 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $11K |
| TAX SAVER EIN 75-1761182 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $6K |
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 | 74,610 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 74,610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 23,384 | $8.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 74,160 | $42.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 74,160 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.