| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | MINNESOTA LIFE INSURANCE COMPANY - BASIC | $48K | — | $48K | 1.02% |
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NEW ENGLAND, INC. | $4K | — | $4K | 1.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (CHICAGO) | 29840 NETWORK PLACE CHICAGO, IL 606731298 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $3K | — | $3K | 1.12% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | MINNESOTA LIFE INSURANCE COMPANY - VOLUNTARY AD&D | $21K | — | $21K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES INC EIN 35-0781558 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue; Contract Administrator Service code 12 | — | $4.2M |
| BEACON HEALTH EIN 54-1414194 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $140K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $84K |
| PORTER WRIGHT MORRIS AND ARTHUR EIN 31-4373657 NONE | Legal; Direct payment from the plan Service code 29 | — | $78K |
| NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE | Investment management fees paid directly by plan; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $20K |
| LEGACY PROFESSIONALS EIN 32-0043599 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $14K |
| LCG ASSOCIATES INC EIN 75-1680350 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $13K |
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 | 7,370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,597 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 248 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NEW ENGLAND, INC. | 30 | $658K |
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY - BASIC | 13,079 | $7.3M |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 30 | $351K |
| Other | MINNESOTA LIFE INSURANCE COMPANY - VOLUNTARY AD&D | 5,122 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,079 | — |
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.