| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $138K | $129K | $266K | 1.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON US LLC | P.O. BOX 28852, LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $120K | $177K | $297K | 4.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON US LLC | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $75K | $250K | $325K | 28.71% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $13K | $2K | $15K | 17.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Insurance services; Contract Administrator; Direct payment from the plan Service code 13 | — | $4.5M |
| WELLS FARGO BANK, N.A. EIN 94-1347393 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $944K |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $928K |
| MARATHON ASSET MANAGEMENT LLP EIN 95-4328983 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $832K |
| MEDCO HEALTH SOLUTIONS, INC EIN 22-3461740 NONE | Contract Administrator; Insurance agents and brokers; Direct payment from the plan Service code 13 | — | $753K |
| THE HARTFORD EIN 06-0838648 NONE | Insurance services; Direct payment from the plan; Contract Administrator Service code 13 | — | $592K |
| DELTA DENTAL OF MINNESOTA EIN 41-1905554 NONE | Contract Administrator; Insurance services; Direct payment from the plan Service code 13 | — | $450K |
| T. ROWE PRICE ASSOCIATES, INC. EIN 52-0556948 NONE | Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $212K |
| EATON VANCE EIN 04-3101341 NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $201K |
| SLC MANAGEMENT (U.S.) LLC EIN 68-0635051 NONE | Investment management fees paid directly by plan Service code 51 | — | $179K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator; Direct payment from the plan; Insurance services Service code 13 | — | $178K |
| GOLDMAN SACHS EIN 13-3575636 INVESTMENT ADVISORY | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $113K |
| PAYFLEX-EXTEND EIN 26-0775680 NONE | Insurance agents and brokers; Direct payment from the plan; Contract Administrator Service code 13 | — | $66K |
| BLACKROCK INSTITUTIONAL TR CO, N.A. EIN 94-3112180 NONE | Direct payment from the plan; Investment management; Trustee (discretionary); Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan Service code 21 | — | $61K |
| STATE STREET GLOBAL ADVISORS TR CO EIN 81-4017137 NONE | Investment management fees paid directly by plan; Custodial (securities); Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $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 | 11,194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,596 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,606 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 11,615 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,139 | $17.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 12,648 | $6.2M |
| Stop-loss / reinsurancereinsurance | ENERGY INSURANCE SERVICES | 1,342 | $0 |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,139 | $17.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,139 | — |
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.