| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $183K | $183K | 1.06% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$173K | -$173K | -1.01% |
| PACIFIC RESOURCE BENEFIT ADVISORS3 | 75 STATE ST STE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $120K | $120K | 1.51% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $36K | $36K | 0.45% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $111 | $111 | 0.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL ADMIN EIN 57-0287419 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $5.9M |
| EDH HOLDINGS, LLC DBA EMP DIRECT EIN 45-3780484 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.2M |
| WEBTPA EIN 75-2611444 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $935K |
| CAREATC EIN 73-1598062 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $729K |
| CAREMARK EIN 95-3382344 NONE | Direct payment from the plan; Participant communication; Contract Administrator; Claims processing Service code 12 | — | $684K |
| BEST DOCTORS EIN 04-2908444 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $567K |
| 98POINT6 EIN 47-3490194 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $547K |
| LYRA HEALTH INC. EIN 47-2935915 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $319K |
| CIGNA EIN 06-0303370 NONE | Contract Administrator; Participant communication; Claims processing; Direct payment from the plan Service code 12 | — | $256K |
| GARNER HEALTH TECH INC. EIN 84-3555449 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $217K |
| LIVONGO HEALTH INC. EIN 26-3542036 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $211K |
| FINHEALTH INC. EIN 46-4753335 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $186K |
| VORI HEALTH EIN 85-2596482 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $172K |
| HEALTH STRATEGY EIN 20-4944393 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $165K |
| H S A ADMIN EIN 06-0273620 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $161K |
| RX SAVINGS SOLUTIONS EIN 26-3642434 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $149K |
| CROWE LLP EIN 35-0921680 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $73K |
| IPA ADMIN EIN 45-3047652 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $68K |
| PROGYNY, INC. EIN 27-2220139 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $58K |
| HEALTH FITNESS CORPORATION EIN 41-1580506 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $57K |
| WAGEWORKS EIN 94-3351864 NONE | Contract Administrator; Participant communication; Direct payment from the plan Service code 13 | — | $42K |
| CONEXIS EIN 20-0198855 NONE | Contract Administrator; Direct payment from the plan; Participant communication Service code 13 | — | $41K |
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 | 16,622 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 378 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 97 | $705K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,728 | $673K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 28,915 | $1.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 31,031 | $17.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16,382 | $8.0M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 31,031 | $18.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,031 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.