| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 10265 US BIRMINGHAM, AL 352020265 | MINNESOTA LIFE INSURANCE COMPANY - BASIC | $51K | — | $51K | 1.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (CHICAGO) | 29840 NETWORK PLACE CHICAGO, IL 606731298 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $29K | — | $29K | 1.19% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NEW ENGLAND, INC. | $28K | — | $28K | 1.17% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 10265 US BIRMINGHAM, AL 352020265 | 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; Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $4.3M |
| BEACON HEALTH EIN 54-1414194 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $160K |
| PORTER WRIGHT MORRIS AND ARTHUR EIN 31-4373657 NONE | Legal; Direct payment from the plan Service code 29 | — | $129K |
| DELOITTE EIN 13-3891517 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $73K |
| NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE | Investment management; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Direct payment from the plan Service code 21 | — | $25K |
| LEGACY PROFESSIONALS EIN 32-0043599 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $20K |
| LCG ASSOCIATES INC EIN 75-1680350 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $12K |
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 | 8,220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,431 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 247 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 33 | $4.8M |
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY - BASIC | 13,319 | $7.8M |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 27 | $2.4M |
| Other | MINNESOTA LIFE INSURANCE COMPANY - VOLUNTARY AD&D | 5,295 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,319 | — |
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.