| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | P O BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $236K | $236K | 1.31% |
| WILLIS TOWERS WATSON US LLC3 | P O BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20K | $20K | 0.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | P O BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $7.1M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Contract Administrator; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $5.5M |
| INCLUDED HEALTH, INC. EIN 45-3580052 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $2.4M |
| VIRGIN PULSE, INC. EIN 20-2547480 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Participant communication Service code 15 | — | $1.1M |
| PRUDENTRX, LLC EIN 84-4560702 NONE | Participant communication; Consulting (general); Direct payment from the plan Service code 16 | — | $1.0M |
| CVS PHARMACY, INC. EIN 05-0340626 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $869K |
| TELADOC HEALTH INC EIN 04-3705970 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $819K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $662K |
| BLUE CROSS AND BLUE SHIELD OF MINN EIN 41-0984460 NONE | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $312K |
| ARTEMIS HEALTH, INC. EIN 46-4071925 NONE | Direct payment from the plan; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $231K |
| GENESIS CORP EIN 13-4041496 NONE | Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $200K |
| BIND BENEFITS, INC. EIN 81-4560965 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $197K |
| EQUIFAX WORKFORCE SOLUTIONS EIN 64-0958101 NONE | Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $164K |
| HEALTHEQUITY, INC. EIN 52-2383166 NONE | Other services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $160K |
| SAVEONSP, LLC EIN 47-3603390 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $154K |
| HEALTH STRATEGY, LLC EIN 20-4944393 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $104K |
| WORKDAY, INC. EIN 20-2480422 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $52K |
| WILLIS TOWERS WATSON US, LLC EIN 53-0181291 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $30K |
| MDX MEDICAL DBA SAPPHIRE DIGITAL EIN 26-3441881 NONE | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 13 | — | $13K |
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 | 27,924 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,377 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 30,301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 49,537 | $18.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 49,537 | $18.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49,537 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.