| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $92 | $25K | 1.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADP EIN 61-1169763 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $204K |
| VIABENEFITS EIN 53-0181291 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $164K |
| METLIFE EIN 13-5581829 NONE | Investment management fees paid directly by plan; Investment management; Contract Administrator Service code 13 | — | $153K |
| AETNA EIN 06-6033492 NONE | Plan Administrator; Direct payment from the plan; Contract Administrator Service code 13 | — | $95K |
| ALIGHT EIN 36-2235791 NONE | Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $57K |
| CROWE LLP EIN 35-0921680 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
| AON CONSULTING, INC EIN 22-2232264 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $20K |
| BNY MELLON EIN 13-5160382 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Trustee (directed); Custodial (securities) Service code 19 | — | $17K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $15K |
| STATE STREET BANK AND TRUST EIN 04-1867445 NONE | Investment management; Direct payment from the plan Service code 28 | — | $6K |
| EISNER LLP EIN 13-1639826 NONE | Accounting (including auditing); Direct payment from the plan; Consulting (general) Service code 10 | — | $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 | 3,830 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,830 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 7 | $69K |
| Dental | AETNA LIFE INSURANCE CO. | 299 | $99K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,782 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,782 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.