| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LEADERS GROUP INC3 | 26 W DRY CREEK CIR STE 575 LITTLETON, CO 801208067 | METROPOLITAN LIFE INSURANCE COMPANY | $639K | — | $639K | 3.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | AGENCY LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $46K | $91K | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, STE. 400 SADDLE BROOK, NJ 07663 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $68K | — | $68K | 1.50% |
| STEPHEN SPROUSE3 | 2641 SHADOW HILL LANE PLANO, TX 75093 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $40K | — | $40K | 3.12% |
| SPROUSE, STEPHEN3 Filed as: SPROUSE STEPHEN | 2641 SHADOW HILL LANE PLANO, TN 75093 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $40K | — | $40K | 3.12% |
| WALTER MARKOVSKY, JR3 | 3210-2G LYNN RIDGE DRIVE RALEIGH, NC 27613 | MONUMENTAL LIFE INSURANCE COMPANY | $14K | — | $14K | 4.58% |
| JOHN MIKE COLLINS3 | 1620 MAIN STREET SUITE 5 SARASOTA, FL 342365824 | MONUMENTAL LIFE INSURANCE COMPANY | $14K | — | $14K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, STE 400 SADDLE BROOK, NJ 07663 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $1K | — | $1K | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEWITT ASSOCIATES LLC EIN 36-2235791 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $37.9M |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $50K |
| WASHINGTON PITTMAN AND MCKEEVER LLC EIN 34-4189747 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $35K |
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 | 82,243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37,536 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,073 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120,852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 25,171 | $69.4M |
| Dental(5 contracts, 5 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 25,171 | $21.2M |
| Vision(4 contracts, 3 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 31,761 | $21.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 31,082 | $16.1M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 24,587 | $4.9M |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 24,587 | $8.9M |
| Prescription drug | TRIPLE S SALUD, INC | 43 | $250K |
| Other(2 contracts) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 89,903 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89,903 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.