| 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 | $0 | $55K | $55K | 2.24% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.29% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 8.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Direct payment from the plan; Contract Administrator; Other fees Service code 13 | — | $4.3M |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Participant communication; Contract Administrator; Direct payment from the plan Service code 13 | — | $2.5M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.2M |
| CAREMARK EIN 05-0340626 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $602K |
| BELL LITHO EIN 36-2550923 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $374K |
| CIGNA HEALTH AND LIFE INS. COMPANY EIN 59-1031071 NONE | Non-monetary compensation; Other services; Float revenue; Participant communication; Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $280K |
| DELTA DENTAL EIN 36-2612058 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $257K |
| MAGELLAN BEHAVIORAL HEALTH EIN 52-2135463 NONE | Contract Administrator; Other services; Direct payment from the plan Service code 13 | — | $254K |
| CAPITOL HR CONSULTING EIN 26-1226363 NONE | Direct payment from the plan; Consulting (pension); Consulting fees; Consulting (general) Service code 16 | — | $87K |
| ACCLARIS NONE | Direct payment from the plan; Other services Service code 49 | 1511 N WEST SHORE BLVD, STE 350 TAMPA, FL 33607 | $33K |
| CROWE LLP EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $17K |
| EYEMED VISION CARE LLC EIN 36-2136262 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $10K |
| BRYAN CAVE LLP NONE | Legal; Direct payment from the plan Service code 29 | 161 NORTH CLARK STREET, STE 4300 CHICAGO, IL 60601 | $7K |
| ANDERSEN TAX, LLC NONE | Other services; Direct payment from the plan Service code 49 | 71 S WACKER DR #2600 CHICAGO, IL 60606 | $6K |
| JPMORGAN CHASE BANK EIN 13-4994650 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Securities brokerage commissions and fees; Trustee (directed); Float revenue; Direct payment from the plan; Investment management fees paid indirectly by plan Service code 21 | — | $5K |
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 | 13,355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,503 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | UNITEDHEALTHCARE OF OREGON, INC. | 292 | $6.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 42 | $132K |
| Vision(5 contracts, 2 carriers) | EYEMED VISION CARE | 11,634 | $1.2M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 15,679 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,679 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.