| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $49K | $49K | 1.79% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29K | $29K | 1.85% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 1.78% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 1.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852-PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $2K | — | $2K | 0.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852-PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $1K | — | $1K | 0.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOWERS WATSON EIN 26-0676603 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $5.1M |
| AETNA EIN 06-6033492 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $4.2M |
| HIGHMARK EIN 23-1294723 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $4.0M |
| UNITED HEALTHCARE EIN 47-0676824 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $1.7M |
| CASTLIGHT EIN 26-1989091 NONE | Consulting (general); Participant communication; Other services; Direct payment from the plan Service code 16 | — | $1.1M |
| CIGNA NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | PO BOX 15964 WILMINGTON, DE 19580 | $1.1M |
| HINGE HEALTH EIN 81-1884841 NONE | Direct payment from the plan; Other fees Service code 50 | — | $749K |
| LIVONGO EIN 26-3542036 NONE | Direct payment from the plan; Other fees Service code 50 | — | $415K |
| DELTA DENTAL NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | PO BOX 1809 ALPHARETTA, GA 300231809 | $195K |
| WAGEWORKS NONE | Other services; Direct payment from the plan Service code 49 | 1100 PARK PLACE 4TH FLOOR SAN MATEO, CA 94403 | $137K |
| METLIFE DENTAL NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | PO BOX 981987 EL PASO, TX 79998 | $52K |
| CROWE LLP EIN 35-0921680 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $34K |
| ROC GROUP EIN 36-4220885 NONE | Other fees; Direct payment from the plan Service code 50 | — | $29K |
| PRUDENTIAL TRUST COMPANY EIN 58-0513395 NONE | Direct payment from the plan; Investment management Service code 28 | — | $26K |
| NORTHERN TRUST 18226 | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | 526 EAST WISCONSIN AVENUE MILWAUKEE, WI 53202 | $26K |
| BELL LITHO EIN 36-2550923 NONE | Participant communication; Copying and duplicating; Other services; Direct payment from the plan Service code 36 | — | $21K |
| MORGAN LEWIS EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $19K |
| CVS/CAREMARK EIN 05-0340626 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $10K |
| PIPITONE GROUP NONE | Investment management; Direct payment from the plan Service code 28 | 3933 PERRYSVILLE AVENUE PITTSBURG, PA 152141735 | $8K |
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $6K |
| ANDERSON TAX NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 100 CAMPUS DRIVE, SUITE 100 FLORHAM PARK, NJ 07932 | $0 |
| BLUE CROSS BLUE SHIELD EIN 23-2229683 NONE | Contract Administrator; Direct payment from the plan; Other fees Service code 13 | — | $0 |
| BRYAN CAVE, LLP EIN 43-0602162 NONE | Legal; Direct payment from the plan Service code 29 | — | $0 |
| MIKE CHAPLIN NONE | Direct payment from the plan; Other services Service code 49 | 107 VALLEY DRIVE FRUITLAND, IA 52749 | $0 |
| UNITED CONCORDIA EIN 25-1687589 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $0 |
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 | 17,526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,252 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 522 | $4.3M |
| Dental | SIMNSA | 522 | $1.1M |
| Vision(7 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 6,784 | $1.9M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 18,838 | $5.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 19,786 | $689K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,786 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.