Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingNo prospect flags tripped on this filing.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Willis Towers Watson US LLC LifeOther | LifeOther | |
Broker: Willis Tower Watson US LLC LTDOther | LTDOther | |
Stop-loss | Stop-loss |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 4 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 11,335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,797 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 300 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,432 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 29,221 | $17.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 11,548 | $7.6M |
| Stop-loss / reinsurancereinsurance | ENERGY INSURANCE SERVICES | 655 | $0 |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 29,221 | $17.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,221 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Metropolitan Life Insurance Company | |
Carrier: Hartford Life and Accident |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 82-4991898 NONE | Contract Administrator; Direct payment from the plan; Insurance services Service code 13 | — | $4.2M |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 NONE | Contract Administrator; Insurance agents and brokers; Direct payment from the plan Service code 13 | — | $998K |
| WILLIS TOWERS WATSON EIN 53-0181291 ACTUARY | Direct payment from the plan; Actuarial Service code 11 | — | $868K |
| PAYFLEX-EXTEND EIN 26-0775680 NONE | Direct payment from the plan; Insurance agents and brokers; Contract Administrator Service code 13 | — | $656K |
| THE HARTFORD EIN 06-0838648 NONE | Insurance services; Direct payment from the plan; Contract Administrator Service code 13 | — | $570K |
| DELTA DENTAL OF MINNESOTA EIN 41-1905554 NONE | Insurance services; Direct payment from the plan; Contract Administrator Service code 13 | — | $490K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator; Direct payment from the plan; Insurance services Service code 13 | — | $181K |
| GOLDMAN SACHS EIN 13-3575636 INVESTMENT ADVISORY | Investment management; Non-monetary compensation; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $150K |
| SUN LIFE CAPITAL MGMT (U.S.) LLC EIN 68-0635051 NONE | Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $147K |
| PRINCIPAL TRUST COMPANY EIN 51-0099493 TRUSTEE | Contract Administrator; Investment management; Insurance services; Trustee (discretionary); Investment management fees paid directly by plan; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 13 | — | $145K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $107K |
| INCOME RESEARCH + MANAGEMENT EIN 04-2955404 NONE | Investment management; Direct payment from the plan Service code 28 | — | $74K |
| OPTUMHEALTH FINANCIAL SERVICES EIN 47-0858530 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $20K |
| STATE STREET GLOBAL ADVISORS TR CO EIN 81-4017137 NONE | Custodial (securities); Direct payment from the plan; Investment management fees paid directly by plan Service code 19 | — | $6K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
5 contacts
Phone and email for the actuary and top hat administrator are on Pro.
11 filings · 2015 to 2025