| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $331K | — | $331K | 9.41% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SVCS | 100 PINE ST 11TH FL SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE CO. | — | $31K | $31K | 2.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | HYATT LEGAL PLANS | $49K | — | $49K | 9.52% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE, INC. | 2121 N. CALIFORNIA BLVD. #1000 WALNUT CREEK, CA 94596 | HYATT LEGAL PLANS | — | $7K | $7K | 1.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2121 N CALIFORNIA BLVD STE 1000 WALNUT CREEK, CA 945967309 | HYATT LEGAL PLANS | — | $71 | $71 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON HEWITT EIN 36-2235791 CONTACT ADMINISTRATOR | Claims processing; Direct payment from the plan Service code 12 | — | $17.9M |
| LIVE HEALTHY AMERICA EIN 42-1278326 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $1.8M |
| TOWERS WATSON EIN 53-0181291 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $701K |
| REED GROUP MANAGEMENT EIN 13-5123390 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $594K |
| DISCOVERY BENEFITS EIN 90-0058554 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $430K |
| TRUVEN HEALTH EIN 06-1467923 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $353K |
| METLIFE EIN 13-5581829 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $297K |
| PSG EIN 27-2345574 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $291K |
| NATURALLY SLIM EIN 47-0855698 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $253K |
| JELLYVISION EIN 36-4442819 NONE | Other services; Direct payment from the plan Service code 49 | — | $114K |
| BKD, LLP EIN 44-0160260 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $101K |
| SIMPLY CONNECT NONE | Direct payment from the plan; Other services Service code 49 | 4206 BOULDER DRIVE PARKER, TX 75002 | $98K |
| BLANKS PRINTING & IMAGING EIN 75-1156894 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $73K |
| THE ODEE COMPANY EIN 75-1302835 NONE | Other services; Direct payment from the plan Service code 49 | — | $40K |
| EVERCORE TRUST COMPANY EIN 26-4691954 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $35K |
| SPLASH MEDIA GROUP EIN 46-2679559 NONE | Other services; Direct payment from the plan Service code 49 | — | $27K |
| ENTERHEALTH EIN 26-3107183 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $17K |
| INTEG EIN 20-2054559 NONE | Direct payment from the plan; Other services Service code 49 | — | $14K |
| MASSAGE ENVY EIN 20-5332437 NONE | Direct payment from the plan; Other services Service code 49 | — | $13K |
| GUIDE SPARK, INC. EIN 26-2229814 NONE | Other services; Direct payment from the plan Service code 49 | — | $10K |
| AETNA INC. EIN 06-6033492 CONTRACT ADMINISTRATOR | Claims processing; Direct payment from the plan Service code 12 | — | $9K |
| ALERE WELLBEING EIN 20-0231080 NONE | Direct payment from the plan; Other services Service code 49 | — | $8K |
| 24 HOUR FITNESS EIN 94-2899899 NONE | Direct payment from the plan; Other services Service code 49 | — | $5K |
| TOWERS WATSON DELAWARE INC. BROKER | Insurance agents and brokers Service code 22 | 501 E 5TH STREET SUITE 1250 CINCINNATI, OH 45202 | $0 |
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 | 28,946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 137 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 147 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 7,916 | $1.0M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 49,846 | $3.5M |
| Other(2 contracts, 2 carriers) | BEACON HEALTH OPTIONS, INC | 37,334 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49,846 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.