| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | PO BOX 412703 BOSTON, MA 022410001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $46K | $46K | 0.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SILVERSCRIPT INSURANCE COMPANY EIN 20-2833904 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.9M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Other services Service code 12 | — | $512K |
| BLUE CROSS BLUE SHIELD OF GEORGIA EIN 58-1638390 NONE | Contract Administrator; Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Direct payment from the plan Service code 12 | — | $350K |
| CVS PHARMACY, INC. EIN 05-0340626 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $91K |
| UNITED HEALTH CARE INSURANCE CO. EIN 36-2739571 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $38K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59,934 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 59,934 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(20 contracts, 14 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 18,001 | $25.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 25,604 | $17.1M |
| Vision(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 17,886 | $3.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 44,567 | $11.7M |
| Prescription drug(8 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. (NO. CALIFORNIA) | 956 | $7.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 44,567 | $11.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 44,567 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.