| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE CONSULTANTS AGENCY INC3 Filed as: ADVANTAGE CONSULTANTS AGENCY | 215 WEST GARFIELD ROAD STE 250 AURORA, OH 44202 | MEDICAL MUTUAL OF OHIO | $27K | — | $27K | 0.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INS CO | $15K | $95 | $15K | 1.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INS CO | — | $10K | $10K | 0.73% |
| ADVANTAGE CONSULTANTS AGENCY INC3 Filed as: ADVANTAGE CONSUL AGENCY INC | 215 WEST GARFIELD #250 AURORA, OH 44202 | CIGNA HEALTH & LIFE INS CO | $57K | — | $57K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIANCE STANDARD | $7K | — | $7K | 2.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD ROAD BLDG 5, STE 200 RADNOR, PA 19087 | RELIANCE STANDARD | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | FIRST RELIANCE - NY | $3K | — | $3K | 7.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC | 100 MATSONFORD RD BLDG 5, STE 200 RADNOR, PA 19087 | FIRST RELIANCE - NY | $0 | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | HARTFORD LIFE INSURANCE CO | $1K | — | $1K | 12.75% |
| ROSS BENEFITS GROUP LTD3 | 1270 AVENUE OF THE AMERICAS NEW YORK, NY 10020 | HARTFORD LIFE INSURANCE CO | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CONTRACT ADMINISTRATOR | Float revenue; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | — | $596K |
| MATRIX ABSENCE MANAGEMENT, INC. EIN 77-0493584 NONE | Claims processing Service code 12 | — | $35K |
| AETNA BEHAVIORIAL HEALTH, LLC EIN 59-3269144 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVE RSAA HARTFORD, CT 06156 | $30K |
| ADVANTAGE CONSULTANTS AGENCY, INC. EIN 34-1865335 BROKER | Insurance agents and brokers Service code 22 | — | $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 | 2,430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 408 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH SOUTHERN CALIFORNIA | 84 | $829K |
| Dental | METROPOLITAN LIFE INS CO | 2,311 | $1.3M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 875 | $195K |
| Life insurance | METROPOLITAN LIFE INS CO | 2,311 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INS CO | 2,311 | $1.4M |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 856 | $263K |
| Prescription drug(4 contracts, 4 carriers) | CAREMARK RX PLAN | 1,694 | $3.3M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 1,087 | $4.6M |
| Other(5 contracts, 4 carriers) | MEDICAL MUTUAL OF OHIO | 2,311 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,311 | — |
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.