| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 99 PARK AVE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $36K | $36K | 1.85% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 99 PARK AVE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23K | $23K | 1.85% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 99 PARK AVE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 1.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 0.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $51K | — | $51K | 10.34% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 99 PARK AVE FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.88% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCK BOX 28852 NEW YORK, NY 100878852 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852-PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $28K | — | $28K | 9.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852-PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $17K | — | $17K | 9.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC - GA | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $78 | — | $78 | 0.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOWERS WATSON EIN 26-0676603 NONE | Direct payment from the plan; Participant communication Service code 38 | — | $4.9M |
| AETNA EIN 06-6033492 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $4.3M |
| HIGHMARK EIN 23-1294723 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $3.9M |
| UNITED HEALTHCARE EIN 47-0676824 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $1.6M |
| CASTLIGHT EIN 26-1989091 NONE | Other services; Consulting (general); Participant communication; Direct payment from the plan Service code 16 | — | $1.4M |
| CIGNA NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | PO BOX 15964 WILMINGTON, DE 19580 | $982K |
| BLUE CROSS BLUE SHIELD EIN 23-2229683 NONE | Contract Administrator; Other fees; Direct payment from the plan Service code 13 | — | $656K |
| DELTA DENTAL NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | PO BOX 1809 ALPHARETTA, GA 300231809 | $188K |
| WAGEWORKS NONE | Other services; Direct payment from the plan Service code 49 | 1100 PARK PLACE 4TH FLOOR SAN MATEO, CA 94403 | $133K |
| METLIFE DENTAL NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | PO BOX 981987 EL PASO, TX 79998 | $55K |
| PRUDENTIAL TRUST COMPANY EIN 58-0513395 NONE | Direct payment from the plan; Investment management Service code 28 | — | $37K |
| CROWE LLP EIN 35-0921680 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $31K |
| MORGAN LEWIS EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| NORTHERN TRUST 18226 | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | 526 EAST WISCONSIN AVENUE MILWAUKEE, WI 53202 | $25K |
| UNITED CONCORDIA EIN 25-1687589 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $23K |
| BELL LITHO EIN 36-2550923 NONE | Participant communication; Copying and duplicating; Other services; Direct payment from the plan Service code 36 | — | $22K |
| PIPITONE GROUP NONE | Direct payment from the plan; Investment management Service code 28 | 3933 PERRYSVILLE AVENUE PITTSBURG, PA 152141735 | $18K |
| BRYAN CAVE, LLP EIN 43-0602162 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $6K |
| MIKE CHAPLIN NONE | Direct payment from the plan; Other services Service code 49 | 107 VALLEY DRIVE FRUITLAND, IA 52749 | $6K |
| ANDERSON TAX NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan Service code 15 | 100 CAMPUS DRIVE, SUITE 100 FLORHAM PARK, NJ 07932 | $5K |
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 | 17,766 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,555 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 8 carriers) | PHYSICIANS PLUS INSURANCE CORP | 554 | $9.3M |
| Dental | SIMNSA | 554 | $1.2M |
| Vision(9 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 6,805 | $1.8M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 18,975 | $3.5M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 19,260 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,260 | — |
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."
No prospect flags tripped on this filing.