| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852, P.O. BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $138K | $31K | $169K | 1.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 8400 NORMANDALE LAKE BLVD MINNEAPOLIS, MN 55437 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 0.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 8400 NORMANDALE LAKE BLVD MINNEAPOLIS, MN 55437 | HARTFORD LIFE AND ACCIDENT | $90K | — | $90K | 1.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852, P.O. BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $15K | $15K | 0.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | — | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 8400 NORMANDALE LAKE BLVD SUITE 1700 MINNEAPOLIS, MN 55437 | HARTFORD LIFE AND ACCIDENT | — | $714 | $714 | 0.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $13K | $208 | $13K | 15.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Direct payment from the plan; Contract Administrator; Insurance agents and brokers Service code 13 | — | $9.3M |
| MEDCO HEALTH SOLUTIONS, INC EIN 22-3461740 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $963K |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $767K |
| PRISMA CAPITAL PARTNERS LP EIN 13-2857105 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $721K |
| PACIFIC INVSTMNT MANAGEMENT COMPANY EIN 33-0629048 NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $683K |
| DELTA DENTAL OF MINNESOTA EIN 41-1905554 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $453K |
| THE HARTFORD EIN 06-0838648 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $417K |
| WELLS FARGO BANK, N.A. EIN 94-1347393 TRUSTEE | Consulting (general); Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 16 | — | $373K |
| BMO ASSET MANAGEMENT CORP. EIN 36-3673844 NONE | Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | — | $221K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $183K |
| SHENKMAN CAPITAL MANAGEMENT, INC. NONE | Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | 461 FIFTH AVENUE, 22ND FLOOR NEW YORK, NY 10017 | $167K |
| ROBECO INVESTMENT MANAGEMENT EIN 20-4213748 NONE | Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $155K |
| T. ROWE PRICE ASSOCIATES, INC. EIN 52-0556948 NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $130K |
| RYAN LABS ASSET MANAGEMENT EIN 47-3503928 NONE | Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | — | $123K |
| PACIFIC GLOBAL ADVISORS (PGA) EIN 80-0717139 INVESTMENT CONSULTANT | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $113K |
| PAYFLEX-EXTEND EIN 26-0775680 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $80K |
| GOLDMAN SACHS EIN 13-3575636 INVESTMENT CONSULTANT | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $38K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Investment management fees paid directly by plan; Custodial (other than securities); Direct payment from the plan; Custodial (securities) Service code 18 | — | $20K |
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 | 11,655 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,037 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,678 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 18,131 | $13.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 12,748 | $6.3M |
| Stop-loss / reinsurancereinsurance | ENERGY INSURANCE SERVICES | 1,654 | $0 |
| Other(4 contracts) | HARTFORD LIFE AND ACCIDENT | 18,131 | $14.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,131 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.