| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVE STE 750 PITTSBURGH, PA 152221224 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | $33K | $99K | 2.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 54-1637426 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $750K |
| AON HEWITT EIN 36-3051915 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $449K |
| EXTEND HEALTH, INC NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 2175 N CALIFORNIA BLVD NO. 150 WALNUT CREEK, CA 94596 | $336K |
| AETNA EIN 23-2710210 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $45K |
| BAKER TILLY VIRCHOW KRAUSE, LLP EIN 39-0859910 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $40K |
| FIRST PRINCIPLES CAPITAL MGT, LLC NONE | Investment management; Direct payment from the plan Service code 28 | 140 BROADWAY, 21ST FLOOR NEW YORK, NY 10005 | $12K |
| CAMBRIDGE NONE | Investment management; Direct payment from the plan Service code 28 | 1776 PLEASANT PLAIN ROAD FAIRFIELD, IA 525568757 | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15,084 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,084 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK INC. | 219 | $1.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 974 | $371K |
| Vision | AETNA LIFE INSURANCE CO. | 974 | $367K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 13,013 | $3.8M |
| Prescription drug | INDEPENDENCE BLUE CROSS | 72 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,013 | — |
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.