| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $146K | — | $146K | 3.70% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 Filed as: SEDGWICK CLAIMS MGMT SERVICES, INC. | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 15233 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1.5M | $1.5M | 48.27% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $130K | — | $130K | 4.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PR BROKERAGE, INC | 500 N AKARDS ST 4300 DALLAS, TX 75201 | TRIPLE S SALUD, INC. | $34K | — | $34K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CHOICE HEALTH PLAN EIN 97-0768835 CONTRACT ADMINISTRATOR | Direct payment from the plan; Claims processing Service code 12 | — | $4.0M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CONTRACT ADMINISTRATOR | Direct payment from the plan; Claims processing Service code 12 | — | $3.5M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $3.3M |
| UNITED HEALTH CARE EIN 36-2739571 CONTRACT ADMINISTRATOR | Claims processing; Direct payment from the plan Service code 12 | — | $2.8M |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 15 | — | $2.2M |
| WILLIS TOWERS WATSON US LLC NONE | Actuarial; Direct payment from the plan Service code 11 | LOCKBOX 28852, PO BOX 28852 NEW YORK, NY 100878852 | $768K |
| J.P. MORGAN INVESTMENT MANAGEMENT EIN 13-3200244 NONE | Direct payment from the plan Service code 50 | — | $750K |
| SPRING CARE, INC. NONE | Claims processing; Direct payment from the plan Service code 12 | 251 PARK AVE SOUTH, 6F NEW YORK, NY 10010 | $544K |
| KARR BARTH ADMINISTRATORS, INC NONE | Claims processing; Direct payment from the plan Service code 12 | ONE BELMONT AVENUE SUITE 705 BALA CYNWYD, PA 19004 | $465K |
| KAISER PERMANENTE EIN 94-1340523 CONTRACT ADMINISTRATOR | Direct payment from the plan; Claims processing Service code 12 | — | $401K |
| 2ND MD NONE | Direct payment from the plan; Claims processing Service code 12 | 9655 KATY FWY SUITE 300 HOUSTON, TX 77024 | $278K |
| NORTHERN TRUST EIN 36-1561860 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $80K |
| ERNST & YOUNG EIN 34-6565596 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $75K |
| DOCTOR ON DEMAND, INC NONE | Direct payment from the plan; Claims processing Service code 12 | ONE CALIFORNIA STREET, SUITE 2300 SAN FRANCISCO, CA 94111 | $74K |
| PASSPORT ENTERPRISES LLC NONE | Direct payment from the plan; Claims processing Service code 12 | 300 CENTER DR, SUITE 107 VERNON HILLS, IL 60061 | $54K |
| CURCIO WEBB LLC NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 21805 FIELD PARKWAY SUITE 180 DEER PARK, IL 60010 | $39K |
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 | 15,265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 669 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,934 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 85 | $744K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,898 | $3.9M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,383 | $3.0M |
| Prescription drug | TRIPLE S SALUD, INC. | 85 | $679K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,898 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,898 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.