| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC4 Filed as: AON RISK SERVICES CENTRAL, INC. | 50 LOUIS ST NW STE 200 GRAND RAPIDS, MI 495032633 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40K | $40K | 1.20% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE 1446 CHICAGO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 0.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $26K | $26K | 2.61% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE 1446 CHICAGO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.20% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 50 LOUIS ST NW STE 200 GRAND RAPIDS, MI 495032633 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.01% |
| AON CONSULTING INC6 Filed as: AON CONSULTING, INC. | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $638 | $638 | 0.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 23-2229683 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $3.8M |
| HEALTH ADVOCATE | Direct payment from the plan; Claims processing; Other services; Plan Administrator Service code 12 | WALTON ROAD, SUITE 150 PLYMOUNTH MEETING, PA 19462 | $494K |
| DELTA DENTAL EIN 38-1791480 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $405K |
| LIVONGO | Claims processing Service code 12 | 150 W. EVELYN AVE, SUITE 150 MOUNTAIN VIEW, CA 94041 | $244K |
| AETNA BEHAVIORAL HEALTH | Claims processing Service code 12 | 151 FARMINGTON AVE HARTFORD, CT 061560001 | $74K |
| EYEMED VISION CARE LLC EIN 31-1656473 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $44K |
| DISCOVERY BENEFITS (COBRA) NONE | Contract Administrator Service code 13 | 4321 20TH AVE SW PO BOX 9528 FARGO, ND 581089528 | $15K |
| WEX HEALTH | Claims processing Service code 12 | PO BOX 9528 FARGO, ND 581069528 | $12K |
| METRO HEALTH | Claims processing Service code 12 | PO BOX 772252 DETROIT, MI 482772252 | $8K |
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 | 8,665 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 136 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 22,135 | $5.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 22,135 | $1.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 22,135 | $1.0M |
| Stop-loss / reinsurancereinsurance | AETNA | 0 | $1.0M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 21,686 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,135 | — |
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.