| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $768K | $242K | $1.0M | 5.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $759K | $73K | $833K | 22.00% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $110K | $110K | 2.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $477K | $47K | $524K | 24.59% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $69K | $69K | 3.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $307K | $30K | $336K | 24.57% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $44K | $44K | 3.19% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $100 | $100 | 0.01% |
| 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 | $105 | $0 | $105 | 3.11% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT ST, SUITE 1100 CITY FINANCIAL TOWER HONOLULU, HI 96813 | HAWAII DENTAL SERVICES | $99 | $0 | $99 | 3.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $8.9M |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $3.2M |
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 | 36,451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 99 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,776 | $7.8M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 25,883 | $14.8M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 22,747 | $3.3M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 41,261 | $21.1M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 41,261 | $21.1M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 41,261 | $21.1M |
| Prescription drug(3 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 30 | $563K |
| Other(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 41,261 | $28.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,261 | — |
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.