| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BAXTER INTERNATIONAL, INC. | ONE BAXTER PARKWAY DEERFIELD, IL 60015 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $4K | $4K | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS - HEALTH CARE SERVICE CORP EIN 36-1236610 ADMINISTRATION | Contract Administrator Service code 13 | — | $5.0M |
| CONDUENT EIN 81-2983623 ADMINISTRATION | Plan Administrator Service code 14 | — | $1.4M |
| LIBERTY LIFE ASSURANCE COMPANY OF B EIN 04-6076039 ADMINISTRATION | Contract Administrator Service code 13 | — | $844K |
| TOWERS WATSON DELAWARE EIN 53-0181291 ADMINISTRATION | Plan Administrator Service code 14 | — | $311K |
| CAREMARK LLC EIN 95-3382344 ADMINISTRATION | Contract Administrator Service code 13 | — | $297K |
| CIGNA CORP EIN 59-1031071 ADMINISTRATION | Contract Administrator Service code 13 | — | $169K |
| BEACON HEALTH OPTIONS INC EIN 54-1414194 ADMINISTRATION | Contract Administrator Service code 13 | — | $154K |
| WAGE WORKS EIN 94-3351864 ADMINISTRATION | Contract Administrator Service code 13 | — | $141K |
| WINSTON AND STRAWN EIN 36-1975990 LEGAL | Legal Service code 29 | — | $124K |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 ADMINISTRATION | Contract Administrator Service code 13 | — | $40K |
| HILD NELSON DESIGN EIN 36-3125134 CONSULTING | Consulting (general) Service code 16 | — | $11K |
| COLOR INK INC EIN 39-1529739 CONSULTING | Consulting (general) Service code 16 | — | $9K |
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 | 22,731 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 22,731 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AMD AFFILIATES CIGNA | 4,219 | $1.4M |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 48,001 | $7.2M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 11,790 | $3.6M |
| Other(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AMD AFFILIATES CIGNA | 48,001 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 48,001 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.