| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $43K | $43K | 1.53% |
| AMERICAN BENEFITS AND3 | COMPENSATION SYSTEMS INC 99 PARK AVE, FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 0.26% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16K | $16K | 0.93% |
| AMERICAN BENEFITS AND3 | COMPENSATION SYSTEMS INC 99 PARK AVE, FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.13% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $905 | $905 | 0.06% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.92% |
| AMERICAN BENEFITS AND3 | COMPENSATION SYSTEMS INC 99 PARK AVE, FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $847 | $847 | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO. EIN 86-0257201 NONE | Float revenue; Claims processing; Direct payment from the plan; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $3.6M |
| HOOPER HOMES, INC. NONE | Other services; Direct payment from the plan Service code 49 | D/B/A PROVANT HEALTH 560 N. ROGERS RD. OLATHE, KS 66062 | $1.4M |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $303K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $278K |
| PAYFLEX SYSTEMS USA INC. EIN 91-1774434 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $199K |
| HYATT LEGAL PLANS, INC. EIN 34-1650967 NONE | Legal; Direct payment from the plan; Contract Administrator Service code 13 | — | $199K |
| BEST DOCTORS, INC. NONE | Other services; Direct payment from the plan Service code 49 | 60 STATE STREET SUITE 600 BOSTON, MA 02109 | $139K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $115K |
| VISION SERVICE PLAN EIN 36-3560825 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $67K |
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 | 13,067 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 120 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 18 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 13,187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,266 | $8.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 33,623 | $4.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,629 | $314K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 33,623 | $3.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 33,623 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,623 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.