| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $589K | $142K | $732K | 4.67% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $638K | $46K | $684K | 23.71% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $93K | $93K | 3.22% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $468K | $34K | $502K | 23.96% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $68K | $68K | 3.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $311K | $23K | $334K | 24.00% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $45K | $45K | 3.22% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38 | $38 | 0.00% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT ST, SUITE 1100 CITY FINANCIAL TOWER HONOLULU, HI 96813 | UNIVERSITY HEALTH ALLIANCE | $5K | $0 | $5K | 5.51% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT ST, SUITE 1100 CITY FINANCIAL TOWER HONOLULU, HI 96813 | HAWAII DENTAL SERVICES | $137 | $0 | $137 | 3.06% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT ST, SUITE 1100 CITY FINANCIAL TOWER HONOLULU, HI 96813 | HAWAII DENTAL SERVICES | $52 | $0 | $52 | 3.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $10.9M |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.8M |
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 | 33,622 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 106 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,636 | $6.9M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 25,270 | $14.1M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 22,137 | $3.3M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 41,286 | $16.7M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 41,286 | $16.7M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 41,286 | $16.7M |
| Prescription drug(3 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 31 | $571K |
| Other(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 41,286 | $23.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,286 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.