| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | $211K | $119K | $330K | 3.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE STREET STE 1710 BOSTON, MA 02109 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $135K | $139K | $274K | 4.10% |
| WILLIS TOWERS WATSON US LLC3 | 5 CONCOURSE PKWY, #18 ATLANTA, GA 30328 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $104K | $104K | 1.56% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DRIVE MEMPHIS, TN 38119 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 0.22% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1.0M | — | $1.0M | 22.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $351K | — | $351K | 7.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $200K | — | $200K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYER DIRECT HEALTHCARE EIN 45-3780484 | Contract Administrator Service code 13 | — | $966K |
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 | 42,353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 42,457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUERE OF TENNESSEE | 41,485 | $188.9M |
| Dental(3 contracts, 3 carriers) | BLUERE OF TENNESSEE | 41,485 | $179.9M |
| Vision | VISION SERVICE PLAN | 19,487 | $4.0M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 43,145 | $6.7M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 33,110 | $4.5M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 50,091 | $8.6M |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE-S SALUD, INC | 39,729 | $1.2M |
| Other(5 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 43,145 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50,091 | — |
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.