| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $124K | $40 | $124K | 3.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61K | $61K | 1.62% |
| HEWITT INSURANCE BROKERAGE LLC3 | 100 HALF DAY RD LINCOLNSHIRE, IL 60069 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $18K | — | $18K | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 8.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 NONE | Direct payment from the plan; Contract Administrator; Claims processing; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.2M |
| AON HEWITT EIN 36-2235791 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $498K |
| BUSINESSOLVER EIN 42-1503807 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $315K |
| MEDCOESI EIN 22-3461740 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $111K |
| GRUPPO MARCUCCI EIN 27-2955023 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $56K |
| BRYAN CAVE LLP NONE | Legal; Direct payment from the plan Service code 29 | 1290 AVENUE OF THE AMERICAS NEWYORK, NY 101043300 | $56K |
| MAYER HOFFMAN MCCANN EIN 43-1947695 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $50K |
| WELLS FARGO NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | 420 MONTGOMERY STREET SAN FRANCISCO, CA 94104 | $18K |
| GUIDESPARK, INC. NONE | Participant communication; Direct payment from the plan Service code 38 | 1400A SEAPORT BLVD SUITE 500 REDWOOD CITY, CA 94063 | $16K |
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 | 3,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 8,438 | $20K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 7,057 | $3.7M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 8,438 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,057 | $3.7M |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 2,403 | $747K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 2,403 | $725K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,057 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,438 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.