| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $148K | $138K | $286K | 2.42% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 2.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | $4K | — | $4K | 8.00% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $667 | $2K | 4.01% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $445 | $271 | $716 | 3.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $3.0M |
| CIGNA EIN 59-1031071 NONE | Non-monetary compensation; Contract Administrator; Float revenue; Claims processing; Named fiduciary; Direct payment from the plan; Participant communication; Other services Service code 12 | — | $226K |
| EMPLOYER DIRECT EIN 45-3780484 NONE | Direct payment from the plan; Other services Service code 49 | — | $201K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACTOR ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $181K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $156K |
| HEALTH EQUITY EIN 52-2383166 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $136K |
| HEALTH ADVOCATE EIN 23-3080019 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $124K |
| CAREMARK EIN 05-0340626 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $104K |
| EXTEND HEALTH EIN 26-0775680 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $103K |
| PARTNERCOMM EIN 75-2541310 NONE | Consulting (general); Direct payment from the plan; Participant communication Service code 16 | — | $100K |
| TELADOC EIN 04-3705970 NONE | Direct payment from the plan; Other services Service code 49 | — | $80K |
| NORTHERN TRUST EIN 36-1561860 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $20K |
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 | 5,582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,642 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 81 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 663 | $271K |
| Vision(6 contracts) | EYEMED VISION CARE O/B/O THE FIDELITY SECURITY LIFE INSURANCE COMPANY | 6,672 | $1.1M |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 16,833 | $12.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 16,833 | $11.8M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,833 | $11.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,833 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.