| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CORPORATION | P. O. BOX 905494 CHARLOTTE, NC 28290 | HYATT LEGAL PLANS | $33K | — | $33K | 6.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS | $18K | — | $18K | 3.33% |
| CRAIG J. GRAVES3 Filed as: CRAIG J GRAVES | 4808 BROADMOOR SE GRAND RAPIDS, MI 495125306 | BLUE CARE NETWORK OF MICHIGAN | $25K | — | $25K | 4.71% |
| JON SNEAD3 | 50 LOUIS ST NW STE 200 GRAND RAPIDS, MI 495032634 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 1.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 N/A | Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $7.9M |
| STAYWELL HEALTH MANAGEMENT EIN 13-2890345 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $3.7M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 N/A | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $539K |
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 N/A | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $387K |
| CONNECTICUT GENERAL LIFE INSURANCE EIN 06-0303370 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $311K |
| INNOVATIVE RESOURCE GROUP LLC EIN 39-2013972 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $279K |
| LIFE INSURANCE CO. OF NORTH AMERICA EIN 23-1503749 N/A | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $211K |
| PAYFLEX SYSTEMS USA EIN 91-1774434 N/A | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $143K |
| JPMORGAN CHASE BANK N.A. EIN 13-4994650 N/A | Trustee (directed); Other investment fees and expenses; Float revenue; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $30K |
| NATIONAL JEWISH HEALTH EIN 74-2044647 N/A | Other services; Direct payment from the plan Service code 49 | — | $16K |
| JPMORGAN CHASE BANK, N.A. | Other investment fees and expenses Service code 72 | — | $12K |
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 | 16,040 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 793 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,197 | $7.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 732 | $627K |
| Vision | VISION SERVICE PLAN | 13,681 | $2.6M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 18,671 | $15.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTHAMERICA | 16,463 | $7.9M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,197 | $7.8M |
| Other(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 17,489 | $9.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,671 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.