| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | $100K | $100K | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $47.2M |
| ALIGHT SOLUTIONS LLC EIN 36-2235791 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 15 | — | $35.1M |
| SEDGWICK CLAIMS MANAGEMENT SERVICE EIN 36-2685608 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $15.4M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan; Investment management Service code 13 | — | $6.0M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 06-0303370 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.9M |
| CVS PHARMACY INC EIN 05-0340626 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.6M |
| NETWORK MEDICAL REVIEW COMPANY EIN 36-4041877 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.2M |
| AON CONSULTING INC. EIN 22-2232264 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $741K |
| ALLSUP INC. EIN 37-1170934 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $488K |
| PWC LLP EIN 13-4008324 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $441K |
| UNITEDHEALTHCARE SERVICES INC. EIN 43-1361841 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $407K |
| PROGYNY INC NONE | Contract Administrator; Direct payment from the plan Service code 13 | 245 5TH AVENUE NEW YORK, NY 10016 | $334K |
| FORVIS, LLP EIN 44-0160260 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $147K |
| FLEISHMAN-HILLARD INC. EIN 43-1791685 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $140K |
| FIRST AMERICAN ADMINISTRATORS INC. EIN 86-0773195 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $104K |
| NOVA MARKETING SERVICES INC EIN 43-0633498 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $73K |
| FROST BANK EIN 74-6036463 NONE | Direct payment from the plan; Trustee (directed); Securities brokerage commissions and fees Service code 25 | — | $42K |
| DIRECTPATH LLC EIN 02-0677999 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $13K |
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 | 142,955 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142,955 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(24 contracts, 14 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 9,676 | $365.4M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 48,597 | $16.9M |
| Vision(8 contracts, 3 carriers) | EYEMED VISION CARE | 153,817 | $12.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 153,468 | $43.9M |
| Short-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,552 | $274K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 2,020 | $19.4M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 237,022 | $69.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237,022 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.