| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON MEDICAL SOLUTIONS LLC | SUITE 1700 1 BEACON ST BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $393K | — | $393K | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | SUITE 1700 1 BEACON STREET BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $263K | — | $263K | 1.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $77K | — | $77K | 0.47% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | -$2K | -$2K | -0.01% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | EYEMED VISION CARE PLUS | $105K | — | $105K | 5.46% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S. RIVERSIDE PLAZA STE. 1100 CHICAGO, IL 60606 | EYEMED VISION CARE PLUS | — | $84K | $84K | 4.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET #1710 BOSTON, MA 02109 | EYEMED VISION CARE PLUS | $53K | — | $53K | 2.73% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | EYEMED VISION CARE BASIC | $70K | — | $70K | 8.19% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S. RIVERSIDE PLAZA STE.1100 CHICAGO, IL 60606 | EYEMED VISION CARE BASIC | — | $16K | $16K | 1.81% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LEGALPLANS, USA | — | $50K | $50K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1120 SANCTUARY PKWY. #300 ALPHARETTA, GA 30009 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $162 | $162 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Float revenue; Other fees; Claims processing Service code 12 | — | $79.8M |
| UMR,INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $9.7M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $2.5M |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 240 VENTURE CIRCLE NASHVILLE, TN 37228 | $684K |
| BSWIFT LLC THIRD PARTY ADMIN FEE | Recordkeeping fees Service code 64 | P.O. BOX 860470 MINNEAPOLIS, MN 55486 | $0 |
| COMPSYCH EIN 35-3739783 THIRD PARTY ADMIN FEE | Recordkeeping fees Service code 64 | — | $0 |
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 | 23,442 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 23,442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 934 | $14.3M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE PLUS | 17,724 | $2.8M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,442 | $16.3M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,442 | $16.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,442 | $16.3M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 202,726 | $5.9M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23,442 | $16.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202,726 | — |
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."
No prospect flags tripped on this filing.