| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANHEUSER BUSCH LLC3 | ONE BUSCH PLACE ST LOUIS, MO 63118 | METROPOLITAN LIFE INSURANCE COMPANY | — | $100K | $100K | 2.67% |
| AMERICAN BENEFITS AND3 | COMPENSATION SYSTEMS INC 99 PARK AVE, FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $87K | $87K | 2.34% |
| AMERICAN BENEFITS AND3 | COMPENSATION SYSTEMS INC 99 PARK AVE, FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $36K | $36K | 2.09% |
| AMERICAN BENEFITS AND3 | COMPENSATION SYSTEMS INC 99 PARK AVE, FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO. EIN 86-0257201 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $3.5M |
| HOOPER HOMES, INC. NONE | Direct payment from the plan; Other services Service code 49 | D/B/A PROVANT HEALTH 560 N. ROGERS RD. OLATHE, KS 66062 | $630K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $345K |
| CASTLIGHT HEALTH NONE | Other services; Direct payment from the plan Service code 49 | TWO RINCON CENTER 121 SPEAR STREET, STE. 300 SAN FRANCISCO, CA 94105 | $307K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $292K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $274K |
| HYATT LEGAL PLANS, INC. EIN 34-1650967 NONE | Contract Administrator; Legal; Direct payment from the plan Service code 13 | — | $201K |
| BEST DOCTORS, INC. NONE | Direct payment from the plan; Other services Service code 49 | 60 STATE STREET SUITE 600 BOSTON, MA 02109 | $98K |
| PAYFLEX SYSTEMS USA INC. EIN 91-1774434 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $69K |
| VISION SERVICE PLAN EIN 36-3560825 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $59K |
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 | 13,604 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 143 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 4 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 13,747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,190 | $7.7M |
| Vision(2 contracts) | VISION SERVICE PLAN | 7,785 | $780K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 27,607 | $3.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,223 | $243K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,087 | $1.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 27,607 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,607 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.