| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $411K | $23K | $434K | 4.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 94111 | UNITED HEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 7.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 94111 | METLIFE LEGAL PLANS | $25K | — | $25K | 8.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 400 NORTH EXECUTIVE DRIVE STE 300 BROOKFIELD, WI 53005 | METLIFE LEGAL PLANS | $0 | $49 | $49 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other fees; Other services Service code 12 | — | $2.1M |
| MFP HOLDCO, LLC EIN 46-5330952 NONE | Other services; Other fees Service code 49 | — | $646K |
| ALIGHT SOLUTIONS LLC NONE | Contract Administrator; Direct payment from the plan Service code 13 | 10 NORTH PARK DRIVE SUITE 400 HUNT VALLEY, MD 21030 | $643K |
| ART CORPORATE SOLUTIONS, INC. NONE | Other services; Direct payment from the plan Service code 49 | 9240 EXPLORER DR SUITE 210 COLORADO SPRINGS, CO 80920 | $510K |
| LIVONGO HEALTH, INC EIN 26-3542036 NONE | Direct payment from the plan; Other services Service code 49 | — | $484K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMIN | Contract Administrator; Insurance agents and brokers; Direct payment from the plan Service code 13 | — | $287K |
| TOWERS WATSON INVESTMENT SERVICES EIN 52-1868818 NONE | Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | — | $281K |
| QUIT GENIUS MEDICAL PA EIN 85-4097308 NONE | Other fees; Other services Service code 49 | — | $271K |
| REINHART, BOERNER, VANDEUREN S.C EIN 39-1126909 NONE | Legal; Direct payment from the plan Service code 29 | — | $123K |
| OVULINE, INC. EIN 45-5608650 NONE | Other fees; Other services Service code 49 | — | $97K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $73K |
| CROWE LLP EIN 35-0921680 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $73K |
| SOLERA HEALTH INC EIN 47-5298764 NONE | Direct payment from the plan; Other services Service code 49 | — | $48K |
| STATE STREET BANK & TRUST COMPANY EIN 04-1867445 DIRECTED TRUSTEE | Trustee (directed); Other fees; Float revenue; Distribution (12b-1) fees; Investment management Service code 25 | — | $37K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $30K |
| FIDELITY INVESTMENTS EIN 04-2647786 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $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 | 9,393 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,032 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 133 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 112 | $501K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,658 | $9.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,658 | $9.2M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,658 | $9.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,658 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.