| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37K | $37K | 1.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ZURICH AMERICAN INSURANCE COMPANY | — | $18K | $18K | 2.00% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES, LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | HYATT LEGAL PLANS | $10K | $168 | $10K | 12.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 220 WEST MAIN STREET, SUITE 1800 LOUISVILLE, KY 40202 | HYATT LEGAL PLANS | — | $595 | $595 | 0.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 MEDICAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $1.9M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 PRESCRIPTION ADMIN | Contract Administrator; Claims processing Service code 12 | — | $197K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $163K |
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 | 8,699 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,805 | $2.5M |
| Vision | EYEMED | 6,403 | $369K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 8,699 | $2.4M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 8,699 | $2.4M |
| Stop-loss / reinsurancereinsurance | ZURICH AMERICAN INSURANCE COMPANY | 4,415 | $897K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 9,304 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,304 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.