| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC | — | HEALTH CARE SERVICE CORPORATION | — | $125K | $125K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORP EIN 36-1236610 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $7.9M |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 RECORD KEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $3.8M |
| UNITED BEHAVIORAL HEALTH EIN 94-2649097 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $454K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 ACTUARY | Actuarial Service code 11 | — | $379K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $350K |
| CONSTELLATION ENERGY GENERATION LLC EIN 23-3064219 ADMINISTRATOR | Plan Administrator Service code 14 | — | $346K |
| OPTUMRX EIN 11-2581812 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $313K |
| HEALTHEQUITY EIN 52-2383166 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $165K |
| NRAC LLC CONSULTING | Consulting (general); Consulting fees Service code 16 | 601 TERESA STREET OXNARD, CA 93030 | $137K |
| HARDING LOEVNER LP EIN 27-0684167 INVESTMENT MANAGER | Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $117K |
| SHARECARE INC EIN 27-0876664 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $97K |
| MDX MEDICAL INC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 160 CHUBB AVE STE 301 LYNDHURST, NJ 07071 | $97K |
| SEGALL BRYANT & HAMILL , LLC EIN 35-2679129 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan Service code 28 | — | $92K |
| LSV ASSET MGMT EIN 23-2772200 INVESTMENT MANAGER | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $82K |
| FIRST AMERICAN ADMINISTRATORS INC EIN 86-0773195 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $62K |
| BLACKROCK INSTITUTIONAL TRUST CO EIN 94-3112180 INVESTMENT MANAGER | Trustee (bank, trust company, or similar financial institution); Trustee (discretionary); Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 21 | — | $62K |
| ARIEL INVESTMENTS, LLC EIN 02-0712418 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $57K |
| ACADIAN ASSET MANAGEMENT, LLC EIN 04-2929221 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan Service code 28 | — | $48K |
| EARNEST PARTNERS, LLC EIN 58-2386669 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan Service code 28 | — | $41K |
| ALBOURNE AMERICA LLC INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | 100 WASHINGTON BLVD, 3RD FLOOR STAMFORD, CT 06902 | $41K |
| MACKAY SHIELDS INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | 1345 AVENUE OF THE AMERICAS NEW YORK, NY 10105 | $38K |
| INDEPENDENCE BLUE CROSS EIN 23-0370720 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $36K |
| BROWN CAPITAL MANAGEMENT, LLC EIN 27-4453139 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan Service code 28 | — | $30K |
| NORTHWEST PLAN SERVICES INC EIN 91-2090931 CONSULTING | Consulting (general); Consulting fees Service code 16 | — | $29K |
| J.P. MORGAN INVESTMENT EIN 13-3200244 INVESTMENT MANAGER | Direct payment from the plan; Investment advisory (plan); Investment management fees paid directly by plan; Investment management Service code 27 | — | $27K |
| ALLSUP INC EIN 37-1170934 37-1170934 | Contract Administrator Service code 13 | — | $10K |
| FITBIT INC EIN 20-8920744 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $8K |
| CAISSA, LLC OTHER | Other services Service code 49 | 7825 WASHINGTON AVE. SOUTH, SUITE 7 BLOOMINGTON, MN 55439 | $7K |
| NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTREE/CUSTODIAN | Soft dollars commissions; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Custodial (securities); Float revenue Service code 19 | — | $6K |
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 | 12,592 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,402 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 696 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 15,994 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HUMANA | 41,202 | $8.6M |
| Dental | CIGNA | 1,087 | $306K |
| Other | CIGNA | 1,087 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,202 | — |
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.