| 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 | — | $66K | $66K | 2.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $88K | — | $88K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $71K | $71K | 8.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE COMPANY | — | $13K | $13K | 2.21% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.29% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN GENERAL INSURANCE COMPANY | $16K | $2K | $18K | 11.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Other fees; Direct payment from the plan; Contract Administrator Service code 13 | — | $3.8M |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Participant communication; Contract Administrator; Direct payment from the plan Service code 13 | — | $2.8M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.5M |
| CAREMARK EIN 05-0340626 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $868K |
| DELTA DENTAL EIN 36-2612058 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $728K |
| 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 | $639K |
| CIGNA HEALTH AND LIFE INS. COMPANY EIN 59-1031071 NONE | Other services; Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Non-monetary compensation; Claims processing Service code 12 | — | $495K |
| PROGYNY, INC. NONE | Direct payment from the plan; Other services Service code 49 | 1385 BROADWAY 2ND FLOOR NEW YORK, NY 10018 | $277K |
| MAGELLAN BEHAVIORAL HEALTH EIN 52-2135463 NONE | Other services; Direct payment from the plan; Contract Administrator Service code 13 | — | $208K |
| CAPITOL HR CONSULTING EIN 26-1226363 NONE | Consulting (general); Consulting fees; Consulting (pension); Direct payment from the plan Service code 16 | — | $80K |
| BELL LITHO EIN 36-2550923 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $56K |
| SEDGWICK CLAIMS MANAGEMENT SERVICES EIN 36-2685608 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $51K |
| BRYAN CAVE LLP NONE | Legal; Direct payment from the plan Service code 29 | 161 NORTH CLARK STREET, STE 4300 CHICAGO, IL 60601 | $48K |
| CARRUM HEALTH, INC. NONE | Direct payment from the plan; Contract Administrator Service code 13 | 100 1ST STREET STE 350 SAN FRANCISCO, CA 94105 | $42K |
| CROWE LLP EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $28K |
| EYEMED VISION CARE LLC EIN 36-2136262 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $7K |
| ANDERSEN TAX NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 71 WACKER DR #2600 CHICAGO, IL 60606 | $7K |
| O'CONNOR DESIGN NONE | Other services; Direct payment from the plan Service code 49 | 3221 OAK AVE BROOKFIELD, IL 60513 | $6K |
| JPMORGAN CHASE BANK EIN 13-4994650 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Investment management fees paid indirectly by plan; Direct payment from the plan; Trustee (directed); Float revenue; Securities brokerage commissions and fees 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 | 13,623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,701 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | PARAMOUNT HEALTHCARE | 183 | $4.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 52 | $653K |
| Vision(5 contracts, 2 carriers) | EYEMED VISION CARE | 10,620 | $1.4M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 16,550 | $3.2M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 11,272 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,550 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.