| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $158K | — | $158K | 3.52% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 Filed as: SEDGWICK CLAIMS MGMT SERVICES, INC. | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 15233 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1.1M | $1.1M | 32.79% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $153K | — | $153K | 4.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PUERTO RICO | BROKERAGE, INC ST 4300 DALLAS, TX 75201 | TRIPLE S SALUD, INC. | $39K | — | $39K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KARR BARTH ADMINISTRATORS, INC NONE | Claims processing; Direct payment from the plan Service code 12 | ONE BELMONT AVENUE SUITE 705 BALA CYNWYD, PA 19004 | $1.5M |
| J.P. MORGAN INVESTMENT MANAGEMENT EIN 13-3200244 NONE | Direct payment from the plan Service code 50 | — | $705K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CONTRACT ADMINISTRATOR | Claims processing; Direct payment from the plan Service code 12 | — | $192K |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $148K |
| BLUE CHOICE HEALTH PLAN EIN 97-0768835 CONTRACT ADMINISTRATOR | Direct payment from the plan; Claims processing Service code 12 | — | $132K |
| ERNST & YOUNG EIN 34-6565596 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $95K |
| NORTHERN TRUST EIN 36-1561860 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $94K |
| UNITED HEALTH CARE EIN 36-2739571 CONTRACT ADMINISTRATOR | Direct payment from the plan; Claims processing Service code 12 | — | $86K |
| SPRING CARE, INC. NONE | Direct payment from the plan; Claims processing Service code 12 | 251 PARK AVE SOUTH, 6F NEW YORK, NY 10010 | $62K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $14K |
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 | 16,091 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 705 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 88 | $775K |
| Dental | TRIPLE S SALUD, INC. | 88 | $775K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 9,293 | $4.5M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,502 | $3.3M |
| Prescription drug | TRIPLE S SALUD, INC. | 88 | $775K |
| Other | TRIPLE S SALUD, INC. | 88 | $775K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,293 | — |
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.