| 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 | — | $58K | $58K | 2.26% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE COMPANY | — | $10K | $10K | 1.54% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $8K | $8K | 2.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Direct payment from the plan; Contract Administrator; Other fees Service code 13 | — | $3.8M |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Contract Administrator; Direct payment from the plan; Participant communication Service code 13 | — | $2.9M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.4M |
| CAREMARK EIN 05-0340626 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $692K |
| CIGNA HEALTH AND LIFE INS. COMPANY EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Non-monetary compensation; Claims processing; Float revenue Service code 12 | — | $356K |
| DELTA DENTAL EIN 36-2612058 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $236K |
| MAGELLAN BEHAVIORAL HEALTH EIN 52-2135463 NONE | Other services; Direct payment from the plan; Contract Administrator Service code 13 | — | $220K |
| LIVONGO HEALTH INC NONE | Contract Administrator; Direct payment from the plan Service code 13 | 150 W EVELYN AVE,SUITE 150, MT VIEW CA 94041,444 N MICHIGAN, SUITE 3400 CHICAGO, IL 60611 | $103K |
| CAPITOL HR CONSULTING EIN 26-1226363 NONE | Consulting (pension); Consulting fees; Direct payment from the plan; Consulting (general) Service code 16 | — | $74K |
| CROWE LLP EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $34K |
| BRYAN CAVE LLP NONE | Legal; Direct payment from the plan Service code 29 | 161 NORTH CLARK STREET, STE 4300 CHICAGO, IL 60601 | $31K |
| PROGYNY, INC. NONE | Direct payment from the plan; Other services Service code 49 | 1385 BROADWAY 2ND FLOOR NEW YORK, NY 10018 | $16K |
| BELL LITHO EIN 36-2550923 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $13K |
| CARIBUO SYSTEMS, INC. EIN 36-3977337 NONE | Other services; Direct payment from the plan Service code 49 | — | $9K |
| EYEMED VISION CARE LLC EIN 36-2136262 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $7K |
| JPMORGAN CHASE BANK EIN 13-4994650 TRUSTEE | Trustee (directed); Securities brokerage commissions and fees; Direct payment from the plan; Investment management fees paid indirectly by plan; Float revenue; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $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 | 13,893 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,478 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | UNITEDHEALTHCARE OF OREGON, INC. | 205 | $6.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 61 | $656K |
| Vision(5 contracts, 2 carriers) | EYEMED VISION CARE | 11,420 | $1.5M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 16,656 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,656 | — |
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.