| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $61K | $61K | 2.25% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $49K | $49K | 2.25% |
| JJAN FINANCIAL3 | — | UPMC HEALTH OPTIONS | $39K | $0 | $39K | 1.99% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $12K | $12K | 1.76% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 2.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $6.8M |
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 CLAIMS ADMIN | Contract Administrator; Other services; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan Service code 12 | — | $465K |
| CVS PHARMACY, INC EIN 05-0340626 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $158K |
| WAGE-WORKS EIN 94-3351864 RECORD-KEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 15 | — | $97K |
| CIGNA | Non-monetary compensation; Float revenue; Participant communication; Direct payment from the plan; Named fiduciary; Claims processing; Contract Administrator; Other services Service code 12 | — | $0 |
| LIBERTY LIFE ASSURANCE COMPANY OF B EIN 04-6076039 ADMIN SERVICES | Plan Administrator Service code 14 | — | $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 | 10,056 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,062 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 331 | $2.0M |
| Dental | UPMC HEALTH OPTIONS | 331 | $2.0M |
| Vision(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 7,493 | $3.5M |
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 10,122 | $5.3M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 10,065 | $111K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,567 | $687K |
| Prescription drug | CVS PHARMACY INC. | 13,348 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,348 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.