| 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 | $150K | $313K | $463K | 2.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $90K | $90K | $180K | 2.49% |
| WILLIS TOWERS WATSON US LLC3 | 8400 NORMANDALE LAKE BLVD 1700 MINNEAPOLIS, MN 55437 | HARTFORD FIRE INSURANCE COMPANY | $41K | $7K | $48K | 17.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 82-4991898 NONE | Insurance services; Contract Administrator; Direct payment from the plan Service code 13 | — | $4.4M |
| WILLIS TOWERS WATSON EIN 53-0181291 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $1.1M |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 NONE | Contract Administrator; Insurance agents and brokers; Direct payment from the plan Service code 13 | — | $997K |
| THE HARTFORD EIN 06-0838648 NONE | Contract Administrator; Insurance services; Direct payment from the plan Service code 13 | — | $594K |
| DELTA DENTAL OF MINNESOTA EIN 41-1852523 NONE | Contract Administrator; Insurance services; Direct payment from the plan Service code 13 | — | $462K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Direct payment from the plan; Contract Administrator; Insurance services Service code 13 | — | $189K |
| T. ROWE PRICE ASSOCIATES, INC. EIN 52-0556948 NONE | Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | — | $174K |
| SUN LIFE CAPITAL MGMT (U.S.) LLC EIN 68-0635051 NONE | Investment management fees paid directly by plan Service code 51 | — | $165K |
| GOLDMAN SACHS EIN 13-3575636 INVESTMENT ADVISORY | Investment management; Investment management fees paid directly by plan; Non-monetary compensation; Direct payment from the plan Service code 28 | — | $150K |
| PRINCIPAL TRUST COMPANY EIN 51-0099493 NONE | Investment management fees paid directly by plan; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Trustee (discretionary); Investment management Service code 21 | — | $150K |
| PAYFLEX-EXTEND EIN 26-0775680 NONE | Insurance agents and brokers; Contract Administrator; Direct payment from the plan Service code 13 | — | $83K |
| EATON VANCE EIN 11-3658445 NONE | Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $76K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $57K |
| OPTUMHEALTH FINANCIAL SERVICES NONE | Insurance services; Direct payment from the plan Service code 23 | 11030 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $53K |
| BLACKROCK INSTITUTIONAL TR CO, N.A. EIN 94-3112180 NONE | Investment management fees paid directly by plan; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Trustee (discretionary); Investment management Service code 21 | — | $36K |
| 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 | 12,258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,151 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,038 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 32,485 | $18.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 13,531 | $7.2M |
| Stop-loss / reinsurancereinsurance | ENERGY INSURANCE SERVICES | 874 | $0 |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 32,485 | $18.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,485 | — |
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.