| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $661K | $214K | $875K | 5.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $635K | $38K | $673K | 19.41% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $92K | $92K | 2.65% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $388K | $23K | $411K | 18.95% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $56K | $56K | 2.57% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $243K | $15K | $257K | 18.95% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $35K | $35K | 2.59% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.00% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT ST, SUITE 1100 CITY FINANCIAL TOWER HONOLULU, HI 96813 | UNIVERSITY HEALTH ALLIANCE | $4K | $0 | $4K | 5.00% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT ST, SUITE 1100 CITY FINANCIAL TOWER HONOLULU, HI 96813 | HAWAII DENTAL SERVICES | $109 | $0 | $109 | 2.95% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT ST, SUITE 1100 CITY FINANCIAL TOWER HONOLULU, HI 96813 | HAWAII DENTAL SERVICES | $84 | $0 | $84 | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $11.7M |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $3.1M |
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 | 34,464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 205 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 34,669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,707 | $7.5M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 25,618 | $14.6M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 22,509 | $3.2M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 40,517 | $17.7M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 40,517 | $17.7M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 40,517 | $17.7M |
| Prescription drug(4 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 29 | $537K |
| Other(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 40,517 | $24.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40,517 | — |
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.