| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | $200K | $200K | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Investment management fees paid directly by plan; Investment management; Trustee (directed); Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $12.7M |
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $11.5M |
| ALIGHT SOLUTIONS LLC EIN 36-2235791 NONE | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $5.7M |
| AON HEWITT HEALTH MARKET INSURANCE EIN 20-3389182 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $5.2M |
| SILVERSCRIPT INSURANCE COMPANY NONE | Contract Administrator; Direct payment from the plan Service code 13 | PO BOX 52067 PHOENIX, AZ 85072 | $2.9M |
| CVS PHARMACY INC. EIN 05-0340626 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.3M |
| UNITEDHEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Direct payment from the plan; Investment management; Contract Administrator Service code 13 | — | $2.2M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Investment management; Contract Administrator; Direct payment from the plan Service code 13 | — | $1.9M |
| AT&T INC. EIN 43-1301883 PLAN SPONSOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.4M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 06-0303370 NONE | Direct payment from the plan; Investment management; Investment management fees paid directly by plan; Contract Administrator Service code 13 | — | $1.2M |
| WESTERN ASSET MANAGEMENT COMPANY EIN 95-2705767 NONE | Investment management; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Direct payment from the plan; Other fees; Non-monetary compensation Service code 28 | — | $1.2M |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Named fiduciary; Investment management fees paid directly by plan; Investment management; Direct payment from the plan; Investment management fees paid indirectly by plan Service code 28 | — | $883K |
| JP MORGAN INVESTMENT MANAGEMENT INC EIN 13-3200244 NONE | Trustee (discretionary); Direct payment from the plan; Investment management; Investment management fees paid directly by plan; Investment advisory (plan); Investment management fees paid indirectly by plan Service code 24 | — | $878K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Direct payment from the plan; Contract Administrator; Investment management; Investment management fees paid directly by plan Service code 13 | — | $860K |
| UNITEDHEALTHCARE SERVICES INC. EIN 43-1361841 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $458K |
| BKD, LLP EIN 44-0160260 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $424K |
| STANDISH MELLON ASSET MANAGEMENT CO EIN 04-3404987 NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $399K |
| FMR LLC NONE | Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | 82 DEVONSHIRE STREET BOSTON, MA 02109 | $382K |
| TIMBERLAND INVESTMENT RESOURCES LLC EIN 27-0065303 NONE | Contract Administrator; Direct payment from the plan; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management Service code 13 | — | $126K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4008324 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $123K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Direct payment from the plan; Other services Service code 49 | — | $89K |
| BLACKROCK FINANCIAL MANAGEMENT INC. EIN 94-3112180 NONE | Investment management; Investment management fees paid directly by plan; Trustee (discretionary); Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $74K |
| FROST BANK EIN 74-6036463 NONE | Direct payment from the plan; Trustee (directed); Securities brokerage commissions and fees Service code 25 | — | $69K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Direct payment from the plan; Custodial (other than securities); Investment management; Investment management fees paid directly by plan; Other fees Service code 18 | — | $49K |
| ALLSUP INC EIN 37-1170934 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $43K |
| FOREST INVESTMENT ASSOCIATES EIN 58-1678729 NONE | Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $33K |
| AON CONSULTING INC. EIN 22-2232264 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $24K |
| FLEISHMAN-HILLARD INC. EIN 43-1791685 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $17K |
| ANDERSEN TAX HOLDINGS LLC EIN 33-1197384 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $15K |
| HAMILTON LANE ADVISORS LLC EIN 23-2962336 NONE | Investment management fees paid indirectly by plan; Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | — | $15K |
| ROCKPOINT RE FUND II GP, LLC EIN 83-0369455 NONE | Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $13K |
| CORPORATION SERVICE COMPANY EIN 51-0009810 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $11K |
| DIRECTPATH LLC EIN 02-0677999 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $9K |
| NOVA MARKETING SERVICES, INC. EIN 43-0633498 NONE | Other services; Direct payment from the plan Service code 49 | — | $7K |
| KPMG LLP EIN 13-5565207 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $6K |
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 | 312,304 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312,304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(34 contracts, 20 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,055 | $140.3M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 28 | $179K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 281,116 | $219.1M |
| Prescription drug(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,055 | $66.7M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 281,116 | $226.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281,116 | — |
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.