| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $290K | $35K | $325K | 1.39% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $63K | $63K | 0.42% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $63K | $63K | 0.49% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $604K | — | $604K | 9.95% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $838K | $40K | $879K | 19.11% |
| BAYLOR SCOTT & WHITE HEALTH3 | BSWH OPERATING PO BOX 840870 DALLAS, TX 752840870 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $241K | $241K | 5.24% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $20K | $20K | 0.88% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $382K | $18K | $400K | 19.14% |
| BAYLOR SCOTT & WHITE HEALTH3 | BSWH OPERATING PO BOX 840870 DALLAS, TX 752840870 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $149K | $149K | 7.12% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METLIFE LEGAL PLANS, INC. | $151K | $31K | $182K | 11.16% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $267K | $13K | $280K | 19.10% |
| BAYLOR SCOTT & WHITE HEALTH3 | BSWH OPERATING PO BOX 840870 DALLAS, TX 752840870 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $125K | $125K | 8.55% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $18K | — | $18K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $2K | — | $2K | 12.24% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $12 | $12 | 0.43% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $23 | — | $23 | 1.23% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $10 | — | $10 | 1.26% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $10 | — | $10 | 1.30% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $7 | — | $7 | 1.31% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $6 | — | $6 | 1.22% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $6 | — | $6 | 1.35% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $5 | — | $5 | 1.19% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $5 | — | $5 | 1.26% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $3 | — | $3 | 1.43% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF OHIO, INC. | $2 | — | $2 | 1.43% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $1 | — | $1 | 2.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEDGWICK EIN 36-2685608 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $1.6M |
| OPTUM EIN 47-0858534 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $446K |
| ERNST & YOUNG EIN 34-6565596 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $372K |
| HEADSPACE, INC. EIN 46-1777570 CONSULTING | Other services; Direct payment from the plan Service code 49 | — | $237K |
| BLANKS PRINTING & IMAGING EIN 75-1156894 COPY/DUPLICATION | Copying and duplicating; Direct payment from the plan Service code 36 | — | $207K |
| WEBMD EIN 93-1270422 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $166K |
| THE JELLYVISION LAB, INC. EIN 36-4442819 NONE | Other services; Other fees; Direct payment from the plan Service code 49 | — | $121K |
| ALIGHT SOLUTIONS EIN 82-1061233 INSURANCE SERVICES | Insurance services; Direct payment from the plan Service code 23 | — | $79K |
| FORVIS MAZARS, LLP EIN 44-0160260 ACCOUNTING | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $50K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 ACTUARIAL | Direct payment from the plan; Actuarial Service code 11 | — | $38K |
| ENTERHEALTH EIN 26-3107183 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $17K |
| NETWORK MEDICAL REVIEW EIN 76-0711128 NONE | Other services; Direct payment from the plan Service code 49 | — | $16K |
| UNUM EIN 01-0278678 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $12K |
| HAYNES & BOONE LLP EIN 75-1312888 LEGAL | Legal; Direct payment from the plan Service code 29 | — | $11K |
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 | 49,195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 368 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,137 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 50,700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4 | $10 |
| Dental(13 contracts, 13 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 35,962 | $24.9M |
| Vision(2 contracts) | EYEMED | 64,070 | $6.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 44,256 | $15.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 44,118 | $12.8M |
| Other(6 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 44,256 | $12.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64,070 | — |
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."
No prospect flags tripped on this filing.