| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $96K | $96K | 1.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEBTPA EIN 75-2611444 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $2.0M |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Contract Administrator Service code 13 | — | $787K |
| SILVERSCRIPT INSURANCE CO EIN 20-2833904 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $340K |
| ALIGHT EIN 82-1061233 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Contract Administrator; Direct payment from the plan Service code 13 | — | $296K |
| AON EIN 22-2232264 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $242K |
| CAREMARK EIN 95-3382344 NONE | Direct payment from the plan; Contract Administrator; Claims processing; Participant communication Service code 12 | — | $193K |
| 98POINT6 EIN 47-3490194 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $84K |
| CROWE LLP EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $69K |
| EDH HOLDINGS LLC EIN 45-3780484 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $64K |
| SSDC SERVICES EIN 38-3357459 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $56K |
| FINHEALTH INC EIN 46-4753335 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $33K |
| RX SAVINGS SOLUTIONS EIN 26-3642434 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $25K |
| LYRA HEALTH INC EIN 47-2935915 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $20K |
| CIGNA EIN 06-0303370 NONE | Direct payment from the plan; Contract Administrator; Participant communication; Claims processing Service code 12 | — | $15K |
| CONNECTYOURCARE, LLC EIN 26-1274092 NONE | Direct payment from the plan; Participant communication; Contract Administrator Service code 13 | — | $12K |
| CAREATC EIN 73-1598062 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $10K |
| CONTIGO HEALTH LLC EIN 34-1593929 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $10K |
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 | 6,737 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,730 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 582 | $253K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,312 | $9K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,442 | $7.6M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,442 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,442 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.