| 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 | — | $26K | $26K | 2.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 PARTY-IN-INTEREST | Participant communication; Other services; Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator Service code 12 | — | $317K |
| 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 | — | $254K |
| EXTEND HEALTH EIN 26-0775680 PARTY-IN-INTEREST | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing; Participant communication Service code 12 | — | $84K |
| BOKF, NA DBA BANK OF OKLAHOMA EIN 73-0780382 PARTY-IN-INTEREST | Distribution (12b-1) fees; Other fees; Trustee (bank, trust company, or similar financial institution); Trustee (discretionary); Shareholder servicing fees; Investment management fees paid indirectly by plan; Named fiduciary; Investment advisory (plan); Investment management; Recordkeeping and information management (computing, tabulating, data processing, etc.); Trustee (directed); Other services Service code 15 | — | $54K |
| GW&K INVESTMENT MANAGEMENT EIN 80-0250512 PARTY-IN-INTEREST | Investment management; Soft dollars commissions; Investment management fees paid directly by plan; Named fiduciary Service code 28 | — | $36K |
| MERCER INVESTMENT MANAGEMENT EIN 30-0282430 PARTY-IN-INTEREST | Other fees; Named fiduciary; Other services; Investment management fees paid indirectly by plan; Consulting (general); Investment management fees paid directly by plan Service code 16 | — | $29K |
| MCKINLEY CAPITAL MANAGEMENT, LLC EIN 92-0136349 PARTY-IN-INTEREST | Soft dollars commissions; Named fiduciary; Investment management fees paid directly by plan; Securities brokerage commissions and fees; Investment management Service code 28 | — | $20K |
| STATE STREET GLOBAL ADVISORTRUST CO EIN 81-4017137 PARTY-IN-INTEREST | Investment management fees paid directly by plan; Named fiduciary; Soft dollars commissions; Securities brokerage; Investment management Service code 28 | — | $13K |
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 | 3,614 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 118 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,732 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 3,107 | $1.2M |
| Other | UNITED BEHAVIORAL HEALTH DBA OPTUM | 733 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,107 | — |
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.