| 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 | $320K | $457K | 2.58% |
| 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 | $98K | $97K | $195K | 2.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Insurance services; Contract Administrator; Direct payment from the plan Service code 13 | — | $4.2M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Insurance services; Contract Administrator; Direct payment from the plan Service code 13 | — | $1.5M |
| THE HARTFORD EIN 06-0838648 NONE | Contract Administrator; Insurance services; Direct payment from the plan Service code 13 | — | $1.2M |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator; Insurance agents and brokers Service code 13 | — | $823K |
| WELLS FARGO BANK, N.A. EIN 94-1347393 TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $780K |
| WILLIS TOWERS WATSON EIN 53-0181291 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $581K |
| DELTA DENTAL OF MINNESOTA EIN 41-1905554 NONE | Contract Administrator; Insurance services; Direct payment from the plan Service code 13 | — | $453K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Direct payment from the plan; Insurance services; Contract Administrator Service code 13 | — | $184K |
| SUN LIFE CAPITAL MGMT (U.S.) LLC EIN 68-0635051 NONE | Investment management fees paid directly by plan Service code 51 | — | $180K |
| PRINCIPAL TRUST COMPANY EIN 51-0099493 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Trustee (discretionary); Investment management fees paid directly by plan; Investment management Service code 21 | — | $177K |
| GOLDMAN SACHS EIN 13-3575636 INVESTMENT ADVISORY | Direct payment from the plan; Investment management fees paid directly by plan; Non-monetary compensation; Investment management Service code 28 | — | $150K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $80K |
| EATON VANCE EIN 04-3101341 NONE | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | — | $73K |
| PAYFLEX-EXTEND EIN 26-0775680 NONE | Direct payment from the plan; Insurance agents and brokers; Contract Administrator Service code 13 | — | $58K |
| OPTUMHEALTH FINANCIAL SERVICES NONE | Direct payment from the plan; Insurance services Service code 23 | 11030 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $53K |
| BLACKROCK INSTITUTIONAL TR CO, N.A. EIN 94-3112180 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Trustee (discretionary); Investment management Service code 21 | — | $45K |
| STATE STREET GLOBAL ADVISORS TR CO EIN 81-4017137 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $3K |
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 | 11,295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,334 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,537 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 12,095 | $1.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 31,705 | $17.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 11,500 | $6.6M |
| Stop-loss / reinsurancereinsurance | ENERGY INSURANCE SERVICES | 961 | $0 |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 31,705 | $17.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,705 | — |
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."
No prospect flags tripped on this filing.