| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON STREET STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS LLC EIN 36-2235791 NONE | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $5.5M |
| AT&T INC. EIN 43-1301883 PLAN SPONSOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.7M |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Investment management fees paid directly by plan; Trustee (directed); Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Investment management Service code 21 | — | $870K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-3114906 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $839K |
| UNITEDHEALTHCARE SERVICES INC. EIN 43-1361841 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $584K |
| FORVIS MAZARS, LLP EIN 44-0160260 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $358K |
| ALLSUP INC EIN 37-1170934 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $301K |
| FMR LLC NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | 82 DEVONSHIRE STREET BOSTON, MA 02109 | $295K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 06-0303370 NONE | Direct payment from the plan; Investment management fees paid directly by plan; Contract Administrator; Investment management Service code 13 | — | $204K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Investment management; Direct payment from the plan; Investment management fees paid directly by plan; Named fiduciary Service code 28 | — | $140K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4008324 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $124K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Direct payment from the plan; Other services Service code 49 | — | $94K |
| FLEISHMAN HILLARD INC. EIN 43-1791685 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $77K |
| BLACKROCK FINANCIAL MANAGEMENT INC. EIN 94-3112180 NONE | Investment management fees paid directly by plan; Trustee (discretionary); Trustee (bank, trust company, or similar financial institution); Investment management; Direct payment from the plan Service code 21 | — | $74K |
| NOVA MARKETING SERVICES INC. EIN 43-0633498 NONE | Direct payment from the plan; Other services Service code 49 | — | $59K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | — | $47K |
| AON CONSULTING INC. EIN 22-2232264 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $32K |
| CORPORATION SERVICE COMPANY EIN 51-0009810 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $22K |
| HAMILTON LANE ADVISORS LLC EIN 23-2962336 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $20K |
| DIRECTPATH LLC EIN 02-0677999 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $14K |
| FROST BANK EIN 74-6036463 NONE | Trustee (directed); Securities brokerage commissions and fees; Direct payment from the plan Service code 25 | — | $10K |
| ANDERSEN TAX HOLDINGS LLC EIN 33-1197384 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $5K |
| STANDISH MELLON ASSET MANAGEMENT EIN 04-3404987 NONE | Investment management; Direct payment from the plan; Investment management fees paid directly by plan 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 | 302,269 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 302,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 37 | $277K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 267,350 | $180.3M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 37 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267,350 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.