| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $180K | $543K | $723K | 0.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $2.8M |
| AON CONSULTING, INC. EIN 22-2232264 NONE | Consulting (general); Actuarial; Direct payment from the plan; Participant communication Service code 11 | — | $232K |
| CVS CAREMARK EIN 05-0340626 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $231K |
| DELOITTE & TOUCHE, LLP EIN 13-3891517 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $118K |
| NOKIA INVESTMENT MNGMT CORP. EIN 22-3646524 AFFILIATE | Named fiduciary; Direct payment from the plan Service code 31 | — | $100K |
| UNITED HEALTHCARE EIN 36-2739571 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $94K |
| IBM WATSON HEALTH EIN 13-0871985 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $80K |
| BLACKROCK INSTITUTIONAL TRUST CO EIN 94-3112180 NONE | Investment management; Trustee (discretionary); Investment management fees paid directly by plan; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $28K |
| PRICEWATERHOUSE COOPERS LLC EIN 13-4008324 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Custodial (securities); Float revenue; Trustee (directed); Other services Service code 19 | — | $23K |
| CANDID LITHO EIN 13-3574319 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $15K |
| UNIVERSAL MAILING SERVICE EIN 22-2381663 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $13K |
| TAX SAVER EIN 75-1761182 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $6K |
| RICHARD CASH NONE | Consulting (general); Direct payment from the plan Service code 16 | 203 CORNELL BLVD BRIDGEWATER, NJ 088072423 | $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 | 66,194 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 66,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 21,368 | $8.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 65,558 | $86.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 65,558 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.