| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC0 | 233 S. WACKER DR SUITE 1800 CHICAGO, IL 60606 | HEALTH CARE SERVICE CORPORATION | — | $30K | $30K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $8.2M |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 CONTRACT ADMINISTRATOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $2.1M |
| OPTUMRX EIN 11-2581812 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $563K |
| CONSTELLATION ENERGY GENERATION LLC EIN 23-3063219 ADMINISTRATOR | Plan Administrator Service code 14 | — | $461K |
| UNITED BEHAVIORAL HEALTH EIN 94-2649097 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $394K |
| THE NORHTERN TRUST COMPANY EIN 36-1561860 TRUSTREE/CUSTODIAN | Custodial (securities); Soft dollars commissions; Float revenue; Investment management fees paid directly by plan; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $379K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $362K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 ACTUARY | Actuarial Service code 11 | — | $213K |
| HARDING LOEVNER LP EIN 27-0684167 INVESTMENT MANAGER | Investment management; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $207K |
| HEALTHEQUITY, INC. EIN 52-2383166 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $138K |
| MDX MEDICAL INC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 160 CHUBB AVE STE 301 LYNDHURST, NJ 07071 | $132K |
| NRAC LLC CONTRACT ADMINISTRATOR | Consulting (general); Contract Administrator; Consulting fees Service code 13 | 601 TERESA STREET OXNARD, CA 93030 | $109K |
| MITCHELL & TITUS EIN 13-2781641 AUDITOR | Accounting (including auditing) Service code 10 | — | $97K |
| NEW YORK LIFE INSURANCE COMPANY EIN 13-5582869 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan Service code 28 | — | $84K |
| FIRST AMERICAN ADMINISTRATORS INC EIN 86-0773195 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $61K |
| ACADIAN ASSET MANAGEMENT, LLC EIN 04-2929221 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $49K |
| SEGALL BRYANT & HAMILL, LLC EIN 35-2679129 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $39K |
| EARNEST PARTNERS LLC EIN 58-2386669 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $39K |
| BROWN CAPITAL MANAGEMENT, LLC EIN 27-4453139 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $35K |
| 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 | $34K |
| ALLSUP INC EIN 37-1170934 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $21K |
| CAISSA, LLC OTHER | Other services Service code 49 | 7825 WASHINGTON AVE. SOUTH SUITE 725 BLOOMINGTON, MN 55439 | $21K |
| BLACKROCK INSTITUTIONAL TRUST CO. EIN 94-3112180 INVESTMENT MANAGER | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Investment management; Trustee (discretionary); Investment management fees paid directly by plan Service code 21 | — | $13K |
| NORTHWEST PLAN SERVICES INC EIN 91-2090931 CONTRACT ADMINISTRATOR | Consulting (general); Consulting fees; Contract Administrator Service code 13 | — | $8K |
| SCULPTOR REAL EASTATE INVESTMENT MANAGER | Investment management fees paid indirectly by plan; Investment management Service code 28 | 9 WEST 57TH STREET NEW YORK, NY 10019 | $8K |
| SECURITY CAPITAL RESEARCH & MANAGEM EIN 36-4130398 INVESTMENT MANAGER | Investment management fees paid indirectly by plan Service code 52 | — | $6 |
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 | 12,924 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,319 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 673 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 16,243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HUMANA | 41,094 | $10.2M |
| Dental | CIGNA | 1,039 | $281K |
| Other | CIGNA | 1,039 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,094 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.