| 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 | — | $75K | $75K | 1.84% |
| WILLIS TOWERS WATSON US LLC3 | DBA WILLIS TOWERS WATSON US LLC COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $2.9M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $100K |
| KPMG, LLP EIN 13-5565207 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $86K |
| FIDELITY CONSULTING EIN 04-2647786 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $54K |
| MERCER HUMAN RESOURCE CONSULTING EIN 13-2834414 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $44K |
| INNOVATIVE LEGAL SOLUTIONS EIN 76-0739552 NONE | Direct payment from the plan; Other services Service code 49 | — | $26K |
| ERNST & YOUNG LLP EIN 34-6565596 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $22K |
| THOMPSON & REUTERS (TAX & ACCT) INC EIN 75-1297386 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $20K |
| QUESTMARK INFORMATION MANAGEMENT EIN 76-0408235 NONE | Direct payment from the plan; Other services Service code 49 | — | $10K |
| C2 IMAGING EIN 27-2304697 NONE | Direct payment from the plan; Participant communication Service code 38 | — | $9K |
| BANK OF OKLAHOMA, N.A. EIN 73-0780382 NONE | 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 | 2,136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 545 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,172 | $638K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 5,353 | $4.1M |
| Other | SECURIAN LIFE INSURANCE COMPANY | 1,271 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,353 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.