| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $67K | $67K | 1.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 06-0303370 NONE | Float revenue; Participant communication; Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $1.2M |
| ALIGHT EIN 82-1061233 NONE | Participant communication; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $1.0M |
| FIDELITY INSTITUTIONAL EIN 04-2647786 NONE | Contract Administrator; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 13 | — | $904K |
| CAREMARK EIN 95-3382344 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Participant communication Service code 12 | — | $494K |
| BCBS OF ALABAMA EIN 63-0103830 NONE | Participant communication; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $214K |
| CIGNA BEHAVIORIAL HEALTH INC. EIN 41-1648670 NONE | Direct payment from the plan; Participant communication; Contract Administrator; Claims processing Service code 12 | — | $86K |
| CROWE LLP EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $56K |
| LOCKTON DUNNING NONE | Consulting (general); Direct payment from the plan Service code 16 | PO BOX 123042 DALLAS, TX 753123042 | $49K |
| BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $12K |
| CURCIO WEBB EIN 36-4171366 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $12K |
| NEW DIRECTIONS EIN 43-1698690 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $11K |
| WESTERN ASSET MANAGEMENT EIN 95-2705797 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $6K |
| ROCATON INVESTMENT ADVISORS EIN 04-3638035 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $5K |
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 | 6,641 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,046 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 617 | $202K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,793 | $5.6M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,793 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,793 | — |
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."
No prospect flags tripped on this filing.