| 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 | — | $220K | $220K | 1.20% |
| WILLIS TOWERS WATSON US LLC3 | P O BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 0.10% |
| WILLIS TOWERS WATSON US LLC3 | P O BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Float revenue; Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 12 | — | $7.0M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Claims processing; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $6.0M |
| INCLUDED HEALTH, INC. EIN 45-3580052 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $2.6M |
| BIND BENEFITS, INC. EIN 81-4560965 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $1.2M |
| VIRGIN PULSE, INC. EIN 20-2547480 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan; Participant communication Service code 15 | — | $1.0M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $678K |
| CVS PHARMACY, INC. EIN 05-0340626 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $670K |
| PRUDENTRX, LLC EIN 84-4560702 NONE | Participant communication; Consulting (general); Direct payment from the plan Service code 16 | — | $320K |
| 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 | — | $221K |
| 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 | — | $175K |
| 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 | — | $137K |
| HEALTHEQUITY, INC. EIN 52-2383166 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Direct payment from the plan Service code 13 | — | $133K |
| HEALTH STRATEGY, LLC EIN 20-4944393 NONE | Consulting (general); Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $111K |
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 | 29,749 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,150 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 31,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 50,600 | $18.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 50,600 | $18.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50,600 | — |
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.