| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BNFTS ADVISRS LLC | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $64K | $64K | 2.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $3.9M |
| BSWIFT EIN 36-4391310 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $1.2M |
| EXPRESS SCRIPTS INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $477K |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $365K |
| SAVEON SP LLC EIN 47-3603390 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $290K |
| TELADOC INC. NONE | Other services; Direct payment from the plan Service code 49 | 1945 LAKEPOINTE DRIVE LEWISVILLE, TX 75057 | $146K |
| ERNST & YOUNG LLP EIN 34-6565596 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $142K |
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Other services; Claims processing; Float revenue Service code 12 | — | $21K |
| VFAIRS LLC NONE | Other services; Direct payment from the plan Service code 49 | 1510 RANDOLPH ST SUITE 208 CARROLLTON, TX 750067486 | $12K |
| KAISER FOUNDATION HEALTH PLAN INC EIN 94-1340523 NONE | Direct payment from the plan; Other services Service code 49 | — | $10K |
| DELOITTE & TOUCHE LLP EIN 98-0047535 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $8K |
| ADVANCED MEDICAL REVIEWS EIN 59-3791598 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $5K |
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 | 7,177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 309 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 369 | $2.6M |
| Vision | VISION SERVICE PLAN | 3,924 | $751K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 9,850 | $3.1M |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 6,883 | $971K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,850 | — |
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.