| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $88K | $88K | 1.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT EIN 36-2235791 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $2.2M |
| AETNA LIFE INSURANCE CO (MEDICAL) EIN 06-6033492 NONE | Plan Administrator Service code 14 | — | $2.1M |
| PERSONIFY HEALTH, INC EIN 20-2547480 NONE | Plan Administrator Service code 14 | — | $1.2M |
| AETNA BEHAVIORAL HEALTH, LLC EIN 33-0052273 NONE | Plan Administrator Service code 14 | — | $420K |
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 SUBSIDIARY | Plan Administrator Service code 14 | — | $400K |
| LIVONGO HEALTH INC EIN 26-3542036 NONE | Plan Administrator Service code 14 | — | $342K |
| CVS CAREMARK EIN 05-0340626 NONE | Plan Administrator Service code 14 | — | $341K |
| MERATIVE (FORMERLY IBM WATSON) EIN 53-0181291 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $339K |
| LANTERN SPECIALTY CARE EIN 99-1373613 NONE | Plan Administrator Service code 14 | — | $219K |
| OVIA HEALTH EIN 45-5608650 NONE | Plan Administrator Service code 14 | — | $106K |
| MDLIVE, INC. EIN 45-4937055 NONE | Plan Administrator Service code 14 | — | $72K |
| CITRIN COOPERMAN EIN 22-2428965 AUDITOR | Accounting (including auditing) Service code 10 | — | $39K |
| PROGYNY EIN 27-2220139 NONE | Plan Administrator Service code 14 | — | $37K |
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 | 9,767 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,207 | $871K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,767 | $6.4M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 8,198 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,767 | — |
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."
No prospect flags tripped on this filing.