| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERITAS RISK SERVICES3 | 3025 HIGHLOAND PKWY, SUITE 650 DOWNERS GROVE, IL 605155553 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 5600 WEST 83RD STREET, 8200 TOWER MINNEAPOLIS, MN 55437 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE KNOWN | Contract Administrator; Direct payment from the plan Service code 13 | — | $4.1M |
| CVS CAREMARK NONE KNOWN | Contract Administrator; Direct payment from the plan Service code 13 | 2211 SANDERS RD NORTHBROOK, IL 60062 | $339K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE KNOWN | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $157K |
| HARRIS ROTHENBERG INTERNATIONAL,INC EIN 27-1649291 NONE KNOWN | Direct payment from the plan; Consulting (general) Service code 16 | — | $105K |
| TOWERS WATSON NONE KNOWN | Consulting (general); Direct payment from the plan Service code 16 | 71 S WACKER DR # 2600 CHICAGO, IL 60606 | $105K |
| TANGO HEALTH NONE KNOWN | Direct payment from the plan; Contract Administrator Service code 13 | 9430 RESEARCH BLVD, BLDG 4, STE 200 AUSTIN, TX 78759 | $50K |
| CONSOVA CORPORATION EIN 14-1884313 NONE KNOWN | Direct payment from the plan; Consulting (general) Service code 16 | — | $38K |
| GUIDESPARK, INC. NONE KNOWN | Consulting (general); Direct payment from the plan Service code 16 | 1400A SEAPORT BLVD, SUITE 500 REDWOOD CITY, CA 94063 | $36K |
| HEALTHY SAN FRANCISCO NONE KNOWN | Direct payment from the plan; Consulting (general) Service code 16 | P.O. BOX 194287 SAN FRANCISCO, CA 94119 | $17K |
| MERCER NONE KNOWN | Consulting (general); Direct payment from the plan Service code 16 | 155 N. UPPER WACKER DRIVE CHICAGO, IL 60606 | $15K |
| THE AYCO COMPANY, L.P. NONE KNOWN | Direct payment from the plan; Consulting (general) Service code 16 | 1301 W LONG LAKE RD, #360 TROY, MI 48098 | $8K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Float revenue; Custodial (securities); Direct payment from the plan Service code 19 | — | $3K |
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 | 5,316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,554 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 19,821 | $8.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 19,821 | $8.2M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 19,821 | $8.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 83 | $30K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,195 | $1.1M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,821 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,821 | — |
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.