| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC. | 75 REMITTANCE DRIVE CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $3K | $36K | 5.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AULTCARE INSURANCE COMPANY EIN 34-1624818 | Direct payment from the plan; Claims processing Service code 12 | — | $1.5M |
| ALIGHT SOLUTIONS EIN 82-1061233 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $524K |
| INTECH | Direct payment from the plan; Investment advisory (plan) Service code 27 | 525 OKEECHOBEE BLVD WEST PALM BEACH, FL 33401 | $132K |
| ANTHEM BLUE CROSS BLUE SHIELD | Direct payment from the plan; Claims processing Service code 12 | 4150 BELDEN VILLAGE STREET CANTON, OH 44718 | $128K |
| JP MORGAN INSTITUTIONAL INVEST INC. EIN 13-4062153 | Investment management; Direct payment from the plan Service code 28 | — | $66K |
| US BANK EIN 31-0841368 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $48K |
| NEPC, LLC EIN 26-1429809 | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $22K |
| NORTHERN TRUST COMPANY EIN 36-1561860 | Direct payment from the plan; Investment management Service code 28 | — | $13K |
| FINDLEY DAVIES EIN 34-1213174 | Consulting (general); Direct payment from the plan Service code 16 | — | $13K |
| INNERWORKINGS EIN 20-5997364 | Participant communication; Direct payment from the plan Service code 38 | — | $7K |
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 | 1,858 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIMETIME MEDICARE ADVANTAGE PLAN | 1,858 | $5.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,449 | $707K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,449 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.