Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Sedgwick Claims Management Services LifeLTDOther | LifeLTDOther | Pro |
Broker: Willis Towers Watson US LLC DentalIndemnityHealth | DentalIndemnityHealth | Pro |
Broker: Willis Towers Watson US LLC Other | Other | Pro |
Broker: Willis Towers Watson US LLC Vision | Vision | Pro |
Broker: Willis Towers Watson US LLC Other | Other | Pro |
Broker: Willis Towers Watson Northeast Inc Other | Other | Pro |
See premium, retention and renewal dates for 24 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Cigna Health and Life Insurance Company and Affiliates | Pro |
Carrier: Life Insurance Company of North America | Pro |
Carrier: Life Insurance Company of North America | Pro |
Carrier: Aetna Life Insurance Co. | Pro |
Carrier: Eyemed | Pro |
Carrier: Metlife Legal Plans, Inc. | Pro |
Carrier: Cigna Dental Health of Texas, Inc. | Pro |
Carrier: New York Life Group Insurance Company of New York | Pro |
Carrier: Cigna Dental Health of Florida, Inc. | Pro |
Carrier: Cigna Dental Health of Kentucky, Inc. | Pro |
Carrier: Cigna Dental Health of Missouri, Inc. | Pro |
Carrier: Cigna Dental Health of Virginia, Inc. | Pro |
Carrier: Cigna Dental Health of Colorado, Inc. | Pro |
Carrier: Cigna Dental Health of Ohio, Inc. | Pro |
Carrier: Cigna Dental Health of North Carolina, Inc. | Pro |
Carrier: Cigna Dental Health of California, Inc. | Pro |
Carrier: Cigna Dental Health of Kansas, Inc. | Pro |
Carrier: Cigna Dental Health Plan of Arizona, Inc. | Pro |
Carrier: Cigna Dental Health of Maryland, Inc. | Pro |
Carrier: Cigna Dental Health of Pennsylvania, Inc. | Pro |
Carrier: Cigna Healthcare of Connecticut, Inc. | Pro |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEDGWICK EIN 36-2685608 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $1.6M |
| ERNST & YOUNG EIN 34-6565596 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $413K |
| OPTUM EIN 47-0858534 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $377K |
| HEADSPACE, INC. EIN 46-1777570 CONSULTING | Other services; Direct payment from the plan Service code 49 | — | $241K |
| THE JELLYVISION LAB, INC. EIN 36-4442819 NONE | Other fees; Direct payment from the plan; Other services Service code 49 | — | $136K |
| ALIGHT SOLUTIONS EIN 82-1061233 INSURANCE SERVICES | Insurance services; Direct payment from the plan Service code 23 | — | $99K |
| FORVIS MAZARS, LLP EIN 44-0160260 ACCOUNTING | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $50K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 ACTUARIAL | Actuarial; Direct payment from the plan Service code 11 | — | $45K |
| HAYNES & BOONE LLP EIN 75-1312888 LEGAL | Legal; Direct payment from the plan Service code 29 | — | $32K |
| NETWORK MEDICAL REVIEW EIN 76-0711128 NONE | Direct payment from the plan; Other services Service code 49 | — | $20K |
| WEBMD EIN 93-1270422 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $14K |
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 | 46,753 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 650 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,040 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 48,443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3 | $11 |
| Dental(15 contracts, 15 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 38,013 | $26.0M |
| Vision(2 contracts) | EYEMED | 67,571 | $5.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 47,053 | $14.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 46,652 | $12.6M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 47,053 | $14.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 67,571 | — |
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. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.