| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $48 | $52K | 1.08% |
| JAMES GENTRY3 | 1350 TIMERLAKE MANOR PKWY #S-230 CHESTERFIELD, MO 630176042 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 0.48% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL/METLIFE SECURITIE | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 100366797 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 0.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P O BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 0.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 36-2739571 CONTRACT ADMINISTRATOR | Other services; Claims processing Service code 12 | — | $6.3M |
| EXPRESS SCRIPTS EIN 22-3461740 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $481K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31,214 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 996 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ADVANTICA DENTAL BENEFITS | 32,210 | $8.4M |
| Vision | VISION SERVICE PLAN | 13,904 | $1.2M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 19,906 | $6.0M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,564 | $3.9M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,906 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,210 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.