| 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 | — | $60K | $60K | 1.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $4.4M |
| BSWIFT EIN 36-4391310 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.5M |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $361K |
| EXPRESS SCRIPTS INC. EIN 43-1420563 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $345K |
| TELADOC INC. NONE | Other services; Direct payment from the plan Service code 49 | 1945 LAKEPOINTE DRIVE LEWISVILLE, TX 75057 | $154K |
| ERNST & YOUNG LLP EIN 34-6565596 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $140K |
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 NONE | Claims processing; Direct payment from the plan; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $23K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $8K |
| DELOITTE & TOUCHE LLP EIN 98-0047535 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $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 | 7,049 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 694 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 371 | $2.2M |
| Vision | VISION SERVICE PLAN | 3,989 | $786K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 9,486 | $3.0M |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 7,698 | $996K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,486 | — |
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.