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| Provider | Services | Address | Compensation |
|---|---|---|---|
| GRANTHAM,MAYO,VAN OTTERLOO&CO (GMO) EIN 04-2691242 NONE | Investment management fees paid indirectly by plan; Securities brokerage commissions and fees; Redemption fees; Investment management fees paid directly by plan; Shareholder servicing fees; Investment management; Other commissions Service code 28 | — | $326K |
| ALLIANCE BERNSTEIN LP. EIN 13-4064930 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $202K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE | Investment management; Custodial (other than securities); Custodial (securities); Other services; Investment management fees paid directly by plan; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 18 | — | $119K |
| COMPSYCH EIN 35-3739783 NONE | Contract Administrator; Other insurance fees and expenses Service code 13 | — | $111K |
| AON HEWITT INVESTMENT EIN 36-3109431 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $98K |
| VERIZON COMMUNICATIONS INC. EIN 23-2259884 EMPLOYER | Plan Administrator; Direct payment from the plan Service code 14 | — | $30K |
| THOMPSON HINE LLP EIN 34-0575300 NONE | Legal; Direct payment from the plan Service code 29 | — | $9K |
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 | 68,030 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9,372 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 77,402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts, 16 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. (SOUTHERN CA) | 2,440 | $39.0M |
| Dental | AETNA LIFE INSURANCE CO. | 160,964 | $56.6M |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY (DAVIS VISION) | 728 | $7K |
| Life insurance(8 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 35,945 | $56.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 75,655 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160,964 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.