| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | MINNESOTA LIFE INSURANCE COMPANY - BASIC | $49K | — | $49K | 0.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HEALTH NEW ENGLAND, INC. | $3K | — | $3K | 0.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HEALTH NEW ENGLAND, INC. | $910 | — | $910 | 0.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (CA) | 725 S. FIGUEROA STREET, 35TH FL LOS ANGELES, CA 90017 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $2K | — | $2K | 0.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. (CHICAGO) | 29840 NETWORK PLACE CHICAGO, IL 606731298 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $1K | — | $1K | 0.41% |
| 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 | Claims processing; Contract Administrator; Direct payment from the plan; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $4.3M |
| PORTER WRIGHT MORRIS AND ARTHUR EIN 31-4373657 NONE | Legal; Direct payment from the plan Service code 29 | — | $209K |
| BEACON HEALTH EIN 54-1414194 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $141K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $73K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Shareholder servicing fees; Direct payment from the plan Service code 21 | — | $29K |
| LEGACY PROFESSIONALS EIN 32-0043599 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $16K |
| LCG ASSOCIATES INC EIN 75-1680350 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $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 | 7,309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,544 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 260 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH NEW ENGLAND, INC. | 23 | $929K |
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY - BASIC | 13,145 | $7.4M |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 23 | $340K |
| Other | MINNESOTA LIFE INSURANCE COMPANY - VOLUNTARY AD&D | 5,068 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,145 | — |
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.