| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $56K | $56K | 1.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEBTPA EIN 75-2611444 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $2.2M |
| FIDELITY INSTITUTIONAL EIN 04-2647786 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Direct payment from the plan; Contract Administrator Service code 13 | — | $690K |
| CAREMARK EIN 95-3382344 NONE | Participant communication; Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $520K |
| ALIGHT EIN 82-1061233 NONE | Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 13 | — | $207K |
| CIGNA BEHAVIORIAL HEALTH INC. EIN 41-1648670 NONE | Direct payment from the plan; Contract Administrator; Claims processing; Participant communication Service code 12 | — | $99K |
| CROWE LLP EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $61K |
| SURGERY PLUS EIN 45-3780484 NONE | Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $42K |
| 98POINT6 EIN 47-3490194 NONE | Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 13 | — | $36K |
| V GROUP EIN 27-0365275 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 13 | — | $19K |
| CONTIGO EIN 34-1593929 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Direct payment from the plan; Contract Administrator Service code 13 | — | $13K |
| ROCATON INVESTMENT ADVISORS EIN 04-3638035 NONE | Direct payment from the plan; Consulting (general) 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 | 6,640 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 922 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 623 | $268K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,679 | $5.4M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,679 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,679 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.