| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BNFTS ADVISRS LLC | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55K | $55K | 1.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $6.2M |
| CONDUENT EIN 16-0468020 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $2.7M |
| HEALTH FITNESS CORPORATION EIN 41-1580506 NONE | Other services; Direct payment from the plan Service code 49 | — | $791K |
| EXPRESS SCRIPTS INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $402K |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $364K |
| CURCIO WEBB EIN 34-6171366 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $226K |
| ERNST & YOUNG EIN 34-6565596 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $101K |
| BEST DOCTORS INSURANCE SERVICES EIN 26-4045938 NONE | Other services; Direct payment from the plan Service code 49 | — | $90K |
| NATURALLY SLIM EIN 26-2868596 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $77K |
| TELADOC INC. NONE | Other services; Direct payment from the plan Service code 49 | 1945 LAKEPOINTE DRIVE LEWISVILLE, TX 75057 | $63K |
| BSWIFT EIN 36-4391310 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $60K |
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Direct payment from the plan; Other services Service code 12 | — | $28K |
| THE RAWLINGS GROUP EIN 31-1563156 NONE | Direct payment from the plan; Other services Service code 49 | — | $8K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $8K |
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 | 9,567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 711 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 423 | $2.4M |
| Vision | VISION SERVICE PLAN | 5,398 | $914K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 13,068 | $4.2M |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 10,640 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,068 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.