| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | MINNESOTA LIFE INSURANCE COMPANY | — | $44K | $44K | 0.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 06-0303370 NONE | Claims processing; Float revenue; Participant communication; Direct payment from the plan; Contract Administrator Service code 12 | — | $3.2M |
| UNITED HEALTH CARE EIN 36-2739571 NONE | Participant communication; Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $1.3M |
| CIGNA BEHAVIORAL HEALTH INC. EIN 41-1648670 NONE | Direct payment from the plan; Contract Administrator; Participant communication; Claims processing Service code 12 | — | $450K |
| CONSUMERS MEDICAL RESOURCE, INC. EIN 04-3367006 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $253K |
| CAREMARK EIN 95-3382344 NONE | Participant communication; Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $103K |
| WAGEWORKS EIN 94-3351864 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $87K |
| CONEXIS EIN 20-0198855 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $74K |
| CROWE LLP EIN 35-0921680 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $54K |
| BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $6K |
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 | 13,791 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 489 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $1K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,093 | $748K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 29,608 | $1.8M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 15,376 | $11.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14,280 | $5.3M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,093 | $748K |
| Other(3 contracts, 3 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 15,376 | $11.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,608 | — |
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.