| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | DRAWER 456 DRAWER 456 BIRMINGHAM, AL 352460456 | MINNESOTA LIFE INSURANCE COMPANY - BASIC | $49K | — | $49K | 1.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (CHICAGO) | 29840 NETWORK PLACE CHICAGO, IL 606731298 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $27K | — | $27K | 0.92% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $2K | — | $2K | 0.08% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NEW ENGLAND, INC. | $21K | — | $21K | 0.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | DRAWER 456 PO BOX 11407 BIRMINGHAM, AA 352460456 | MINNESOTA LIFE INSURANCE COMPANY - VOLUNTARY AD&D | $23K | — | $23K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES INC EIN 35-0781558 NONE | Float revenue; Claims processing; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $3.2M |
| PORTER WRIGHT MORRIS AND ARTHUR EIN 31-4373657 NONE | Legal; Direct payment from the plan Service code 29 | — | $159K |
| BEACON HEALTH EIN 54-1414194 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $152K |
| DELOITTE EIN 13-3891517 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $70K |
| NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE | Investment management fees paid directly by plan; Direct payment from the plan; Investment management; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $27K |
| LEGACY PROFESSIONALS EIN 32-0043599 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $16K |
| LCG ASSOCIATES INC EIN 75-1680350 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $11K |
| CONNECTICUT GENERAL LIFE INSURANCE EIN 06-0303370 NONE | Contract Administrator; Claims processing; Non-monetary compensation; Participant communication; Other services; Named fiduciary; Direct payment from the plan; Float revenue Service code 12 | — | $0 |
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 | 8,157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,418 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 483 | $8.9M |
| Life insurance(3 contracts, 3 carriers) | MINNESOTA LIFE INSURANCE COMPANY - BASIC | 13,134 | $6.9M |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 161 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,134 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.