| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $45K | $45K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $38K | — | $38K | 7.21% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | ARAG INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $385 | $385 | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DRIVE W SUITE 500 SAINT LOUIS, MO 63110 | ACE AMERICAN INSURANCE COMPANY | $289 | — | $289 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Participant communication; Named fiduciary; Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services Service code 12 | — | $781K |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 3RD PARTY ADMINISTRATOR | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $346K |
| BRAVO WELLNESS LLC EIN 61-1739182 NONE | Contract Administrator Service code 13 | — | $78K |
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $62K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Contract Administrator; Claims processing Service code 12 | — | $54K |
| DISCOVERY BENEFITS, INC. EIN 90-0058554 RECORD KEEPER | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $45K |
| CAREOPERATIVE, LLC EIN 46-4399706 NONE | Other services Service code 49 | — | $24K |
| WILLIS TOWERS WATSON EIN 26-0775680 NONE | Contract Administrator Service code 13 | — | $21K |
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 | 1,999 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 294 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 2,010 | $145K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,229 | $533K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,229 | $533K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,570 | $197K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 1,352 | $755K |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,229 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,229 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.