Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Multiple-employer welfare arrangement. It has its own regulatory and compliance rules.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
LifeOther | LifeOther | |
Broker: Lockton Companies LLC Other | Other |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 3 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 74,090 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13,510 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 87,600 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 157,464 | $48.0M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 157,464 | $48.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157,464 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Everest Reinsurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 NONE | Direct payment from the plan; Claims processing; Other services Service code 12 | — | $20.9M |
| CAREMARK EIN 95-3382344 NONE | Other services; Direct payment from the plan Service code 49 | — | $2.7M |
| OPTOMI LLC EIN 30-0747677 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $1.8M |
| EXPERIS IT SERVICES US LLC EIN 75-1300240 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $1.4M |
| COTIVITI EIN 56-2059380 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $1.1M |
| TRANSCARENT INC EIN 84-3296541 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $798K |
| CAPRICORN SYSTEMS INC EIN 58-2514176 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $782K |
| VISION SERVICE PLAN EIN 23-7089668 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $750K |
| CONVERGENZ LLC EIN 52-2254225 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $737K |
| WEBMD LLC EIN 20-2783228 NONE | Direct payment from the plan; Insurance services; Other services Service code 23 | — | $661K |
| DECISIONPATH CONSULTING EIN 54-1059055 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $529K |
| TELADOC HEALTH INC EIN 04-3705970 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $486K |
| ARROWSTREET CAPITAL LIMITED PARTNER EIN 04-3472863 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $386K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Direct payment from the plan; Actuarial; Other services Service code 11 | — | $351K |
| TELUS HEALTH US LTD EIN 52-1883918 NONE | Other services; Direct payment from the plan; Consulting (general) Service code 16 | — | $279K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Investment management; Custodial (securities); Investment management fees paid directly by plan; Soft dollars commissions Service code 19 | — | $263K |
| MERCER US LLC EIN 13-2834414 NONE | Other services; Direct payment from the plan Service code 49 | — | $215K |
| MILLIMAN INC EIN 91-0675641 NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | — | $201K |
| PARIVEDA SOLUTIONS INC EIN 20-8005164 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $159K |
| DPPO USA GOVT EMPLOYEES HEALTH ASSN EIN 44-0545275 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $154K |
| HEALTH AND TECHNOLOGY VECTOR INC EIN 03-0381986 NONE | Other services; Direct payment from the plan Service code 49 | — | $126K |
| ALLSUP EIN 82-2208506 NONE | Other services; Direct payment from the plan Service code 49 | — | $123K |
| PSG CONSULTING LLC EIN 20-2422296 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $123K |
| INTERNATIONAL SOFTWARE SYSTEMS INC EIN 52-1915109 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $116K |
| COVINGTON AND BURLING LLP EIN 53-0188411 NONE | Legal; Direct payment from the plan Service code 29 | — | $114K |
| TIER 4 GROUP LLC EIN 27-1695417 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $113K |
| GROOM LAW GROUP CHARTERED EIN 52-1219029 NONE | Legal; Direct payment from the plan Service code 29 | — | $101K |
| STATE STREET BANK EIN 04-1867445 NONE | Trustee (directed); Direct payment from the plan; Custodial (securities) Service code 19 | — | $99K |
| BDO USA LLP EIN 13-5381590 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $84K |
| OPTUM EIN 41-1591944 NONE | Other services; Direct payment from the plan Service code 49 | — | $81K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $81K |
| SHARP PPO EIN 71-0745842 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $77K |
| FORTITUDE SYSTEMS EIN 26-0354324 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $70K |
| EXCELLA INC EIN 54-2062249 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $69K |
| MORGAN LEWIS AND BOCKIUS LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $63K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $57K |
| USM BUSINESS SYSTEMS INC EIN 48-1215361 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $55K |
| STEVENS AND LEE PC EIN 23-1886296 NONE | Legal; Direct payment from the plan Service code 29 | — | $51K |
| ZOVAYA CORPORATION EIN 26-0039705 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $49K |
| REASONN LLC EIN 85-2524125 NONE | Consulting (general); Direct payment from the plan; Other services Service code 16 | — | $47K |
| NETWORK MEDICAL REVIEW COMPANY LLC EIN 76-0711128 NONE | Other services; Direct payment from the plan Service code 49 | — | $45K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $44K |
| RV KUHNS AND ASSOCIATES EIN 93-0910652 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $41K |
| DANE STREET LLC EIN 26-3738108 NONE | Direct payment from the plan; Other services Service code 49 | — | $37K |
| ASTON CARTER INC EIN 38-3858542 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $32K |
| SIRIUS COMPUTER SOLUTIONS INC EIN 74-2836721 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $30K |
| CORPORATE BROKERS EIN 84-1638864 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $30K |
| AON CONSULTING INC EIN 13-3975524 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $30K |
| AKSIA LLC EIN 20-5385739 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $27K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Direct payment from the plan; Account maintenance fees; Other services Service code 49 | — | $24K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
7 contacts
Phone and email for the actuary are on Pro.
11 filings · 2015 to 2025