| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $70K | $70K | 2.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $111K | — | $111K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $89K | $89K | 8.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE COMPANY | — | $6K | $6K | 1.27% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.25% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN GENERAL INSURANCE COMPANY | $16K | $2K | $18K | 9.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Direct payment from the plan; Contract Administrator; Other fees Service code 13 | — | $3.7M |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Direct payment from the plan; Contract Administrator; Participant communication Service code 13 | — | $2.3M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.3M |
| CAREMARK EIN 05-0340626 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $863K |
| CIGNA HEALTH AND LIFE INS. COMPANY EIN 59-1031071 NONE | Other services; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Participant communication; Contract Administrator Service code 12 | — | $481K |
| BUSINESSOLVER.COM EIN 42-1503807 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $271K |
| DELTA DENTAL EIN 36-2612058 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $245K |
| MAGELLAN BEHAVIORAL HEALTH EIN 52-2135463 NONE | Direct payment from the plan; Contract Administrator; Other services Service code 13 | — | $243K |
| LIVONGO HEALTH INC NONE | Direct payment from the plan; Contract Administrator Service code 13 | 150 W EVELYN AVE,SUITE 150 MT VIEW, CA 94041 | $153K |
| PROGYNY, INC. NONE | Other services; Direct payment from the plan Service code 49 | 1385 BROADWAY 2ND FLOOR NEW YORK, NY 10018 | $128K |
| THE HARTFORD EIN 06-0838648 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $110K |
| CARRUM HEALTH, INC. NONE | Direct payment from the plan; Contract Administrator Service code 13 | 100 1ST STREET STE 350 SAN FRANCISCO, CA 94105 | $23K |
| CROWE LLP EIN 35-0921680 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $19K |
| FIRST AMERICAN EIN 26-1911571 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $18K |
| BELL LITHO EIN 36-2550923 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $14K |
| EYEMED VISION CARE LLC EIN 36-2136262 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $7K |
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 | 13,691 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,890 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | PARAMOUNT HEALTHCARE | 177 | $4.5M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 36 | $562K |
| Vision(5 contracts, 2 carriers) | EYEMED VISION CARE | 11,128 | $1.3M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 18,889 | $3.1M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 14,119 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,889 | — |
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.