| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | ONE FEDERAL STREET 20TH FLOOR BOSTON, MA 02110 | HCC LIFE INSURANCE COMPANY | — | $21K | $21K | 1.65% |
| AON CONSULTING INC3 | 3550 LENOX RD NE STE 1700 ATLANTA, GA 30326 | HCC LIFE INSURANCE COMPANY | — | $5K | $5K | 0.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 41-1648670 CLAIM ADMIN ISTRATION | Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $2.7M |
| CVS PHARMACY, INC. EIN 05-0340626 CLAIM ADMINISTRATION | Direct payment from the plan; Claims processing Service code 12 | — | $92K |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 CLAIM ADMINISTRATION | Direct payment from the plan; Claims processing Service code 12 | — | $72K |
| DISCOVERY BENEFITS CONTRACT ADMINISTRATION | Direct payment from the plan; Contract Administrator Service code 13 | 4321 20TH AVENUE FARGO, ND 58103 | $50K |
| VISION SERVICE PLAN EIN 06-1227840 CONTRACT ADMINISTRATION | Contract Administrator; Direct payment from the plan Service code 13 | — | $36K |
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 | 3,537 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 3,538 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,538 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.