| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS | $51K | — | $51K | 9.32% |
| JON SNEAD3 | 50 LOUIS ST NW STE 200 GRAND RAPIDS, MI 495032634 | BLUE CARE NETWORK OF MICHIGAN | $31K | — | $31K | 6.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 N/A | Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $7.0M |
| STAYWELL HEALTH MANAGEMENT EIN 13-2890345 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $3.7M |
| CONNECTICUT GENERAL LIFE INSURANCE EIN 06-0303370 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $578K |
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 N/A | Contract Administrator; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $487K |
| INNOVATIVE RESOURCE GROUP LLC EIN 39-2013972 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $310K |
| LIFE INSURANCE CO. OF NORTH AMERICA EIN 23-1503749 N/A | Claims processing; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $192K |
| PAYFLEX SYSTEMS USA EIN 91-1774434 N/A | Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $115K |
| JPMORGAN CHASE BANK N.A. EIN 13-4994650 N/A | Float revenue; Other investment fees and expenses; Trustee (directed); Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $24K |
| JPMORGAN CHASE BANK, N.A. | Other investment fees and expenses Service code 72 | — | $11K |
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 | 14,625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,358 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,983 | 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 | 116 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,771 | $501K |
| Vision | VISION SERVICE PLAN | 11,822 | $2.4M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 16,390 | $14.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14,564 | $7.1M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 116 | $1.7M |
| Other(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 15,374 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,390 | — |
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.