| 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 | — | $461K | $461K | 0.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS LLC EIN 36-2235791 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 15 | — | $5.0M |
| 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 | — | $3.6M |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Investment management; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Trustee (directed); Direct payment from the plan Service code 21 | — | $2.1M |
| FORVIS, LLP EIN 44-0160260 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $793K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 06-0303370 NONE | Investment management; Direct payment from the plan; Contract Administrator; Investment management fees paid directly by plan Service code 13 | — | $749K |
| UNITEDHEALTHCARE SERVICES INC. EIN 43-1361841 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $513K |
| FMR LLC NONE | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | 82 DEVONSHIRE STREET BOSTON, MA 02109 | $247K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4008324 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $240K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Other services; Direct payment from the plan Service code 49 | — | $75K |
| AON CONSULTING INC. EIN 22-2232264 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $74K |
| ALLSUP INC EIN 37-1170934 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $65K |
| CORPORATION SERVICE COMPANY EIN 51-0009810 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $38K |
| FROST BANK EIN 74-6036463 NONE | Securities brokerage commissions and fees; Trustee (directed); Direct payment from the plan Service code 25 | — | $28K |
| HAMILTON LANE ADVISORS LLC EIN 23-2962336 NONE | Investment management fees paid directly by plan Service code 51 | — | $13K |
| SILVERSCRIPT INSURANCE COMPANY NONE | Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 52067 PHOENIX, AZ 85072 | $12K |
| TIMBERLAND INVESTMENT RESOURCES LLC EIN 27-0065303 NONE | Direct payment from the plan; Investment management fees paid indirectly by plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $9K |
| ANDERSEN TAX HOLDINGS LLC EIN 33-1197384 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $7K |
| KPMG LIMITED TAIWAN NONE | Consulting (general) Service code 16 | — | $7K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Direct payment from the plan; Named fiduciary; Investment management fees paid directly by plan; Investment management Service code 28 | — | $5K |
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 | 307,286 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307,286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 9,587 | $63.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 271,155 | $207.7M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 9,587 | $63.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271,155 | — |
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.