| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | MINNESOTA LIFE INSURANCE COMPANY - BASIC | $50K | — | $50K | 0.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 4725 PIEDMONT ROW DR. #510 CHARLOTTE, NC 28210 | HEALTH NEW ENGLAND, INC. | $3K | — | $3K | 1.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | MINNESOTA LIFE INSURANCE COMPANY - VOLUNTARY AD&D | $22K | — | $22K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (CA) | 725 S. FIGUEROA STREET, 35TH FLOOR LOS ANGELES, CA 90017 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $2K | — | $2K | 1.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES INC EIN 35-0781558 NONE | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $4.3M |
| BEACON HEALTH EIN 54-1414194 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $138K |
| PORTER WRIGHT MORRIS AND ARTHUR EIN 31-4373657 NONE | Legal; Direct payment from the plan Service code 29 | — | $119K |
| MCCONNELL & JONES, LLP EIN 76-0488832 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $39K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Investment management; Investment management fees paid directly by plan; Shareholder servicing fees Service code 21 | — | $22K |
| LEGACY PROFESSIONALS EIN 32-0043599 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| LCG ASSOCIATES INC EIN 75-1680350 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $12K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $6K |
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 | 7,410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,471 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 221 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NEW ENGLAND, INC. | 19 | $486K |
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY - BASIC | 13,179 | $7.6M |
| Other | MINNESOTA LIFE INSURANCE COMPANY - VOLUNTARY AD&D | 5,110 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,179 | — |
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.