| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 6TH AVE FL 30 PITTSBURGH, PA 152222602 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $22K | $65K | 1.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $14K | $30K | 0.82% |
| THE H D H GROUP INC.3 Filed as: THE H D H GROUP INC | 210 6TH AVE FL 30 PITTSBURGH, PA 152222602 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $856 | $856 | 0.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 54-1637426 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $722K |
| EXTEND HEALTH, INC NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 2175 N CALIFORNIA BLVD NO. 150 WALNUT CREEK, CA 94596 | $308K |
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $288K |
| FIRST PRINCIPLES CAPITAL MGT, LLC NONE | Investment management; Direct payment from the plan Service code 28 | 140 BROADWAY, 21ST FLOOR NEW YORK, NY 10005 | $227K |
| AON HEWITT EIN 36-3051915 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $147K |
| AETNA EIN 23-2710210 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $42K |
| 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 |
| CAREMARK NONE | Direct payment from the plan; Contract Administrator Service code 13 | ONE CVS DRIVE WOONSOCKET, RI 02895 | $14K |
| CAMBRIDGE NONE | Investment management; Direct payment from the plan Service code 28 | 1776 PLEASANT PLAIN ROAD FAIRFIELD, IA 525568757 | $9K |
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 | 16,192 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK INC. | 206 | $1.3M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 18,764 | $4.6M |
| Vision | AETNA LIFE INSURANCE CO. | 1,093 | $331K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 12,797 | $3.9M |
| Prescription drug | INDEPENDENCE BLUE CROSS | 64 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,764 | — |
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.
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.