| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 752012739 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | $1K | $65K | 14.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEWITT ASSOCIATES LLC EIN 36-2235791 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $187K |
| J.P. MORGAN INVESTMENT MANAGEMENT EIN 13-3200244 NONE | Direct payment from the plan; Investment management fees paid directly by plan; Investment advisory (plan); Investment management Service code 27 | — | $72K |
| US BANK EIN 31-0841368 TRUSTEE | Direct payment from the plan; Custodial (other than securities); Trustee (bank, trust company, or similar financial institution) Service code 18 | — | $56K |
| NORTHERN TRUST GLOBAL INVESTMENT EIN 45-6138589 NONE | Investment management; Investment management fees paid directly by plan; Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $30K |
| BOBER MARKEY FEDOROVICH EIN 34-1523030 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| FINDLEY DAVIES EIN 34-1213174 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $27K |
| TOWERS WATSON EIN 53-0181291 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $23K |
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 | 2,589 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AULTCARE HEALTH INSURING CORPORATION | 870 | $5.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,901 | $435K |
| Prescription drug(3 contracts, 3 carriers) | AULTCARE HEALTH INSURING CORPORATION | 870 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,901 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.