| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS CONSULTING LLC3 | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | MINNESOTA LIFE INSURANCE COMPANY | $21K | — | $21K | 0.56% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $63K | $63K | 2.78% |
| AMERICAN BENEFITS CONSULTING LLC3 | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | MINNESOTA LIFE INSURANCE COMPANY | $8K | — | $8K | 0.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PO BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS | $6K | $18K | $24K | 41.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEABURY & SMITH INC | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | HYATT LEGAL PLANS | — | $226 | $226 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH @ WORK SOLUTIONS | PO BOX 10414 DES MOINES, IA 50331 | HYATT LEGAL PLANS | — | $37 | $37 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIBERTY MUTUAL EIN 04-6076039 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $460K |
| AETNA BEHAVIORAL HEALTH LLC EIN 33-0052273 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $148K |
| PAYFLEX EIN 91-1774434 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $74K |
| EIDE BAILLY EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $43K |
| SELECT ACCOUNT EIN 41-6019132 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $22K |
| AON HEWITT ASSOCIATES EIN 36-2237591 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $12K |
| BUCK CONSULTANTS EIN 13-3954297 NONE | Direct payment from the plan; Consulting (pension) Service code 17 | — | $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 | 14,261 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 14,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 13,736 | $5.4M |
| Short-term disability(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 105 | $38K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,868 | $2.3M |
| Other(2 contracts, 2 carriers) | HYATT LEGAL PLANS | 225 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,736 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.