| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRAFT HEINZ FOOD COMPANY5 Filed as: KRAFT HEINZ FOODS COMPANY | 200 EAST RANDOLPH ST. 75TH FLOOR CHICAGO, IL 60601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $75K | $75K | 2.05% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $62K | $62K | 1.68% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $57K | $57K | 1.98% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32K | $32K | 1.99% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 1.98% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 1.99% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.61% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.69% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.77% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $339 | $339 | 3.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $4.9M |
| BLUE CROSS BLUE SHIELD EIN 23-2229683 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $4.3M |
| AETNA EIN 06-6033492 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $2.9M |
| UNITED HEALTHCARE EIN 41-1289245 NONE | Claims processing; Other services; Insurance agents and brokers; Direct payment from the plan Service code 12 | — | $1.3M |
| SEDGWICK CMS EIN 36-2685608 NONE | Investment advisory (participants); Claims processing; Direct payment from the plan Service code 12 | — | $1.3M |
| CASTLIGHT EIN 26-1989091 NONE | Participant communication; Consulting (general); Direct payment from the plan; Other services Service code 16 | — | $1.2M |
| CIGNA NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | PO BOX 15964 WILMINGTON, DE 19580 | $1.1M |
| HINGE HEALTH EIN 81-1884841 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $541K |
| LIVONGO EIN 26-3542036 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $504K |
| DELTA DENTAL NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | PO BOX 1809 ALPHARETTA, GA 300231809 | $198K |
| METLIFE DENTAL NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | PO BOX 981987 EL PASO, TX 79998 | $49K |
| MORGAN LEWIS EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $44K |
| CROWE LLP EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $35K |
| NORTHERN TRUST EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $23K |
| PRUDENTIAL TRUST COMPANY EIN 58-0513395 NONE | Direct payment from the plan; Investment management Service code 28 | — | $20K |
| BELL LITHO EIN 36-2550923 NONE | Direct payment from the plan; Participant communication; Copying and duplicating; Other services Service code 36 | — | $16K |
| WAGEWORKS NONE | Other services; Direct payment from the plan Service code 49 | 1100 PARK PLACE 4TH FLOOR SAN MATEO, CA 94403 | $13K |
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $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 | 17,502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 157 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,456 | $4.8M |
| Dental | SIMNSA | 526 | $1.2M |
| Vision(6 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 6,776 | $1.6M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 18,610 | $5.2M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 846 | $290K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 10,696 | $3.9M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 20,991 | $770K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,991 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.