| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NJ INC | 29849 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $29K | $0 | $29K | 0.59% |
| AON CONSULTING INC3 | 75 REMITTANCE DRIVE STE 1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 0.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 23-2229683 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $3.1M |
| BLUE CROSS BLUE SHIELD EIN 38-2069753 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $1.1M |
| DELTA DENTAL EIN 38-1791480 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $452K |
| HEALTH ADVOCATE ADMINISTRATION | Plan Administrator; Direct payment from the plan Service code 14 | 3043 WALTON ROAD, SUITE 150 PLYMOUTH MEETING, PA 19462 | $288K |
| CASTLIGHT HEALTH INC. NONE | Consulting fees Service code 70 | TWO RINCON CENTER, 121 SPEAR ST SAN FRANCISCO, CA 94105 | $222K |
| AETNA BEHAVIORAL HEALTH LLC EAP PROVIDER | Other services Service code 49 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $62K |
| CONNECT YOUR CARE NONE | Contract Administrator; Consulting (general) Service code 13 | 307 INTERNATIONAL CIRCLE SUITE 200 HUNT VALLEY, MD 21030 | $45K |
| EYEMED VISION CARE LLC EIN 31-1656473 ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $38K |
| BSWIFT LLC CONTRACT ADMINISTRATOR | Participant communication; Plan Administrator; Direct payment from the plan Service code 14 | 5001 PLAINFIELD AVE NE GRAND RAPIDS, MI 49525 | $21K |
| CVS PHARMACY INC. NONE | Claims processing Service code 12 | 83649 COLLECTION CENTER DR. CHICAGO, IL 606930836 | $6K |
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 | 8,400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 19,923 | $4.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 19,923 | $4.9M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD | 22,595 | $1.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 19,923 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,595 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.