| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON COALITION PURCHASING GROUP | 29840 NETWORK PL CHICAGO, IL 606731298 | METLIFE | $7K | $7K | $14K | 3.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL EIN 22-1211670 NONE | Insurance mortality and expense charge; Investment management fees paid directly by plan Service code 51 | — | $2.3M |
| CONEXIS (DIVISION ON WAGEWORKS,INC) NONE | Claims processing Service code 12 | 6191 STATE HIGHWAY 161 #400 IRVING, TX 75038 | $85K |
| VIA BENEFITS INSURANCE SERVICES NONE | Claims processing Service code 12 | 10975 S. STERLING VIEW DR. SOUTH JORDAN, UT 84095 | $42K |
| BAKER TILLY US, LLP EIN 39-0859910 NONE | Accounting (including auditing) Service code 10 | — | $39K |
| JP MORGAN CHASE MANHATTAN BANK EIN 13-6755490 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $17K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Actuarial Service code 11 | — | $15K |
| KEYBANK, NA NONE | Investment management fees paid directly by plan Service code 51 | 100 PUBLIC SQUARE SUITE 600 CLEVELAND, OH 44113 | $11K |
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 | 1,854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,854 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METLIFE | 2,300 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,300 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.