| 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 | — | $235K | $235K | 1.24% |
| WILLIS TOWERS WATSON US LLC3 | P O BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20K | $20K | 0.10% |
| WILLIS TOWERS WATSON US LLC3 | P O BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Claims processing; Other services; Float revenue; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $6.8M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Direct payment from the plan; Claims processing; Other services; Contract Administrator Service code 12 | — | $6.1M |
| INCLUDED HEALTH, INC. EIN 45-3580052 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $3.1M |
| BIND BENEFITS, INC. EIN 81-4560965 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $1.3M |
| PERSONIFY HEALTH EIN 20-2547480 NONE | Participant communication; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $1.0M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $712K |
| ARTEMIS HEALTH, INC EIN 46-4071925 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Direct payment from the plan Service code 15 | — | $241K |
| EQUIFAX WORKFORCE SOLUTIONS EIN 64-0958101 NONE | Participant communication; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $184K |
| 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 | — | $150K |
| HEALTHEQUITY, INC. EIN 52-2383166 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator; Other services Service code 13 | — | $142K |
| HEALTH STRATEGY, LLC EIN 20-4944393 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $112K |
| WORKDAY, INC. EIN 20-2480422 NONE | Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $59K |
| MDX MEDICAL, LLC EIN 26-3441881 NONE | Other services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $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 | 30,362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,942 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 32,304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 50,896 | $19.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 50,896 | $19.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50,896 | — |
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.