| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | DBA WILLIS TOWERS WATSON US LLC COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $102K | $102K | 2.26% |
| WILLIS TOWERS WATSON US LLC3 | DBA WILLIS TOWERS WATSON US LLC COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $3.4M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $115K |
| MERCER HUMAN RESOURCE CONSULTING EIN 13-2834414 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $51K |
| INNOVATIVE LEGAL CONSULTING EIN 76-0739552 NONE | Direct payment from the plan; Other services Service code 49 | — | $28K |
| FIDELITY CONSULTING EIN 04-2647786 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $26K |
| THOMPSON & REUTERS (TAX & ACCT) INC EIN 75-1297386 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $22K |
| QUESTMARK INFORMATION MANAGEMENT EIN 76-0408235 NONE | Other services; Direct payment from the plan Service code 49 | — | $15K |
| C2 IMAGING EIN 27-2304697 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $6K |
| ERNST & YOUNG LLP EIN 34-6565596 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $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 | 2,360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 458 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 832 | $367K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 6,029 | $672K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 7,196 | $4.5M |
| Other | SECURIAN LIFE INSURANCE COMPANY | 1,961 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,196 | — |
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.