| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $230K | $230K | 1.86% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $187K | $187K | 1.93% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $96K | $39 | $96K | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 54-1637426 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $456K |
| EXTEND HEALTH, INC NONE | Direct payment from the plan; Contract Administrator Service code 13 | 2175 N CALIFORNIA BLVD NO. 150 WALNUT CREEK, CA 94596 | $423K |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $380K |
| BLACKROCK EIN 94-3112180 NONE | Direct payment from the plan; Investment management Service code 28 | — | $109K |
| BAKER TILLY US, LLP EIN 39-0859910 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $42K |
| AETNA EIN 23-2710210 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $35K |
| FIRST PRINCIPLES CAPITAL MGT, LLC NONE | Investment management; Direct payment from the plan Service code 28 | 140 BROADWAY, 21ST FLOOR NEW YORK, NY 10005 | $31K |
| CAREMARK NONE | Direct payment from the plan; Contract Administrator Service code 13 | ONE CVS DRIVE WOONSOCKET, RI 02895 | $15K |
| CAMBRIDGE NONE | Direct payment from the plan; Investment management 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 | 16,306 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK INC. | 101 | $589K |
| Dental | AETNA LIFE INSURANCE CO. | 13,083 | $3.0M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 72,743 | $22.0M |
| Prescription drug | INDEPENDENCE BLUE CROSS | 29 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72,743 | — |
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.