| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMA AVE SUITE 7 POTOMAC, MD 20874 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $36K | — | $36K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | P O BOX 13784 NEWARK, NJ 07188 | UPMC HEALTH BENEFITS | $29K | — | $29K | 10.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC | PO BOX 13784 NEWARK, NJ 07188 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $12K | $34 | $12K | 4.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC | P O BOX 13784 NEWARK, NJ 07188 | VISION SERVICE PLAN | $7K | — | $7K | 6.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29848 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | — | $25K | 35.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON US LLC | LOCKBOX 28852 PO BOX 28852 POTPMAC, MD 20854 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| THOMAS C SMITH3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $104 | — | $104 | 0.15% |
| ASHLEY L. DEMATTEO3 Filed as: ASHLEY DEMATTEO | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | P O BOX 13784 NEWARK, NJ 07188 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $3K | — | $3K | 7.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC | 12505 PARK POTOMA AVE POTOMAC, MD 20854 | MONUMENTAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | 155 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $489K |
| CBIZ BENEFITS & INSURANCE SERVICES EIN 31-1582098 ADMIN SUPPORT SERVICES | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | 175 S MAIN STREET SUITE 720 SALT LAKE CITY, UT 84111 | $279K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSING | Other services; Claims processing; Float revenue; Participant communication; Named fiduciary; Non-monetary compensation; Contract Administrator; Direct payment from the plan Service code 12 | 111 S CALVERT ST SUITE 1600 BALTIMORE, MD 21202 | $51K |
| FRYE & COMPANY, CPAS EIN 45-4199441 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 9161 LIBERIA AVENUE SUITE 304 MANASSAS, VA 20110 | $40K |
| VISION SERVICE PLAN EIN 23-7089668 CLAIMS PROCESSING | Direct payment from the plan; Other services; Non-monetary compensation; Contract Administrator; Float revenue; Participant communication; Claims processing; Named fiduciary Service code 12 | 3333 QUALITY DR RANCHO CORDOVA, CA 95670 | $36K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | 501 US HIGHWAY 22 2ND FLOOR-WEST BRIDGEWATER, NJ 08807 | $25K |
| UPMC BENEFIT MANAGEMENT EIN 25-1769564 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 600 GRANT STREET PITTSBURGH, PA 15219 | $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 | 2,262 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | USABLE MUTUAL INSURANCE COMPANY | 493 | $6.7M |
| Dental(5 contracts, 4 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 329 | $967K |
| Vision(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 1,519 | $610K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,700 | $1.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,700 | $1.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,700 | $1.4M |
| Prescription drug | USABLE MUTUAL INSURANCE COMPANY | 417 | $5.5M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 804 | $846K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,700 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,700 | — |
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.