| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | STARR INDEMNITY & LIABILITY COMPANY | $557 | — | $557 | 13.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MET LIFE EIN 13-5581829 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $45.6M |
| UMR EIN 39-1995276 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $22.8M |
| VSP VISION CARE EIN 23-7089668 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $5.9M |
| OPTOMI LLC EIN 30-0747677 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $2.4M |
| CAREMARK EIN 95-3382344 NONE | Other services; Direct payment from the plan Service code 49 | — | $1.6M |
| EXPERIS IT SERVICES US LLC EIN 75-1300240 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $1.5M |
| DECISIONPATH CONSULTING EIN 54-1059055 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $912K |
| CONVERGENZ LLC EIN 52-2254225 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $780K |
| CAPRICORN SYSTEMS INC EIN 58-2514176 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $770K |
| WEBMD LLC EIN 20-2783228 NONE | Direct payment from the plan; Other services; Insurance services Service code 23 | — | $758K |
| TRANSCARENT INC EIN 84-3296541 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $754K |
| COTIVITI EIN 56-2059380 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $625K |
| ARROWSTREET CAPITAL LIMITED PARTNER EIN 04-3472863 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $510K |
| TELADOC HEALTH INC EIN 04-3705970 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $490K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Actuarial; Other services; Direct payment from the plan Service code 11 | — | $311K |
| MERCER US LLC EIN 13-2834414 NONE | Other services; Direct payment from the plan Service code 49 | — | $298K |
| NEXTUP SOLUTIONS LLC EIN 84-3346416 NONE | Direct payment from the plan; Other services; Consulting (general) Service code 16 | — | $224K |
| PSG CONSULTING LLC EIN 20-2422296 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $171K |
| DPPO USA GOVT EMPLOYEES HEALTH ASSN EIN 44-0545275 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $150K |
| SIGNATURE COMMERCIAL SOLUTIONS EIN 27-0221186 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $137K |
| INTERNATIONAL SOFTWARE SYSTEMS INC EIN 52-1915109 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $123K |
| BDO USA LLP EIN 13-5381590 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $121K |
| HEALTH AND TECHNOLOGY VECTOR INC EIN 03-0381986 NONE | Other services; Direct payment from the plan Service code 49 | — | $116K |
| ALLSUP EIN 82-2208506 NONE | Other services; Direct payment from the plan Service code 49 | — | $115K |
| GROOM LAW GROUP CHARTERED EIN 52-1219029 NONE | Legal; Direct payment from the plan Service code 29 | — | $98K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions; Custodial (securities) Service code 19 | — | $96K |
| USM BUSINESS SYSTEMS INC EIN 48-1215361 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $92K |
| EXCELLA INC EIN 54-2062249 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $89K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $76K |
| MEDICAL REVIEW INSTITUTE OF AMERICA EIN 87-0394756 NONE | Direct payment from the plan; Other services Service code 49 | — | $72K |
| STATE STREET BANK EIN 04-1867445 NONE | Custodial (securities); Trustee (directed); Direct payment from the plan Service code 19 | — | $69K |
| ASTON CARTER INC EIN 38-3858542 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $57K |
| OPTUM EIN 41-1591944 NONE | Direct payment from the plan; Other services Service code 49 | — | $54K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $44K |
| NEWPORT TRUST COMPANY EIN 27-4411131 NONE | Consulting (general); Other services; Direct payment from the plan Service code 16 | — | $40K |
| RV KUHNS AND ASSOCIATES EIN 93-0910652 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $36K |
| WILKIE FARR AND GALLAGHER LLP EIN 13-5536844 NONE | Legal; Direct payment from the plan Service code 29 | — | $36K |
| DAVIS COMPANIES EIN 04-3181433 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $35K |
| REASONN LLC EIN 85-2524125 NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | — | $32K |
| TELUS HEALTH US LTD EIN 52-1883918 NONE | Consulting (general); Other services; Direct payment from the plan Service code 16 | — | $31K |
| DAVIES LIFE AND HEALTH INC EIN 06-1427246 NONE | Direct payment from the plan; Other services Service code 49 | — | $30K |
| MILLIMAN INC EIN 91-0675641 NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | — | $28K |
| SIRIUS COMPUTER SOLUTIONS INC EIN 74-2836721 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $28K |
| ZOVAYA CORPORATION EIN 26-0039705 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $27K |
| PINNACLE DATA SYSTEMS LLC EIN 63-1216795 NONE | Direct payment from the plan; Participant communication Service code 38 | — | $26K |
| PROTIVITI EIN 04-3661951 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $25K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Account maintenance fees; Direct payment from the plan; Other services Service code 49 | — | $22K |
| SPARKS PERSONNEL SERVICES INC EIN 52-0965469 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $21K |
| SHARP PPO EIN 71-0745842 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $20K |
| DANE STREET LLC EIN 26-3738108 NONE | Other services; Direct payment from the plan Service code 49 | — | $20K |
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 | 72,921 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13,660 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 86,581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 18,563 | $5.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 155,719 | $45.1M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 155,719 | $45.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155,719 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.