| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $24K | $24K | 2.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 PARTY-IN-INTEREST | Other services; Contract Administrator; Consulting (general); Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $331K |
| EMPYREAN BENEFIT SOLUTIONS EIN 20-3029813 PARTY-IN-INTEREST | Participant communication; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $249K |
| EXTEND HEALTH EIN 26-0775680 PARTY-IN-INTEREST | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $85K |
| BOKF, NA DBA BANK OF OKLAHOMA EIN 73-0780382 PARTY-IN-INTEREST | Trustee (directed); Other services; Named fiduciary; Shareholder servicing fees; Other fees; Investment management fees paid indirectly by plan; Investment advisory (plan); Trustee (discretionary); Distribution (12b-1) fees; Investment management; Recordkeeping and information management (computing, tabulating, data processing, etc.); Trustee (bank, trust company, or similar financial institution) Service code 15 | — | $69K |
| GW&K INVESTMENT MANAGEMENT EIN 80-0250512 PARTY-IN-INTEREST | Named fiduciary; Investment management; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $50K |
| MCKINLEY CAPITAL MANAGEMENT, LLC EIN 92-0136349 PARTY-IN-INTEREST | Named fiduciary; Securities brokerage commissions and fees; Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $45K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 PARTY-IN-INTEREST | Investment management fees paid directly by plan; Securities brokerage; Investment management; Soft dollars commissions; Named fiduciary Service code 28 | — | $27K |
| MERCER INVESTMENT MANAGEMENT EIN 30-0282430 PARTY-IN-INTEREST | Investment management fees paid directly by plan; Other services; Consulting (general); Other fees; Named fiduciary Service code 16 | — | $26K |
| HEWITT ASSOCIATES, LLC EIN 36-2235791 PARTY-IN-INTEREST | Other fees; Actuarial; Direct payment from the plan; Other services; Consulting (general) Service code 11 | — | $16K |
| AXIOM INTERNATIONAL INVESTORS, LLC EIN 13-4021938 PARTY-IN-INTEREST | Investment management fees paid directly by plan; Investment management; Soft dollars commissions; Securities brokerage commissions and fees; Named fiduciary Service code 28 | — | $7K |
| ALLIANCE BERNSTEIN EIN 13-4064930 PARTY-IN-INTEREST | Investment management fees paid directly by plan; Named fiduciary; Investment management; Other investment fees and expenses Service code 28 | — | $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 | 3,474 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 122 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 2,908 | $998K |
| Other | UNITED BEHAVIORAL HEALTH DBA OPTUM | 604 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,908 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.