| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | TOWERS WATSON DELAWARE, INC. LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HEALTHPARTNERS/GROUP HEALTH INC. | $1K | — | $1K | 1.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHPARTNERS EIN 41-1629390 NONE | Direct payment from the plan; Insurance services; Contract Administrator Service code 13 | — | $384K |
| MINNESOTA LIFE INSURANCE COMPANY EIN 41-0417830 NONE | Insurance mortality and expense charge; Investment management fees paid directly by plan; Investment management; Insurance services; Direct payment from the plan Service code 23 | — | $116K |
| EXPRESS SCRIPTS MEDCO HEALTH SOLUTI EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $63K |
| WILLIS TOWERS WATSON ONE EXCHANGE EIN 26-0775680 NONE | Contract Administrator; Participant communication; Direct payment from the plan Service code 13 | — | $58K |
| NEW ENGLAND PENSION CONSULTANTS EIN 04-2927339 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $47K |
| GRANT THORNTON LLP EIN 36-6055558 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,075 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,075 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 728 | $3.6M |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS/GROUP HEALTH INC. | 1,420 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,420 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.