| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LEADERS GROUP INC3 Filed as: THE LEADERS GROUP INC. | 26 W DRY CREEK CIR STE 575 LITTLETON, CO 801208067 | METROPOLITAN LIFE INSURANCE COMPANY | $828K | — | $828K | 3.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN CO | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $105K | $207K | $312K | 2.59% |
| SPROUSE, STEPHEN3 | 26411 SHADOW HILL LANE PLANO, TX 75093 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $37K | — | $37K | 2.98% |
| SPROUSE, STEPHEN3 | 26411 SHADOW HILL LANE PLANO, TX 75093 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $37K | — | $37K | 2.98% |
| WALTER MARKOVSKY, JR3 | 3210-2G LYNN RIDGE DRIVE RALEIGH, NC 27613 | MONUMENTAL LIFE INSURANCE COMPANY | $19K | — | $19K | 5.16% |
| JOHN MIKE COLLINS3 | 1620 MAIN STREET SUITE 5 SARASOTA, FL 342365824 | MONUMENTAL LIFE INSURANCE COMPANY | $19K | — | $19K | 5.16% |
| 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 | — | $30.8M |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $63K |
| NORTHERN TRUST EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $59K |
| WASHINGTON PITTMAN AND MCKEEVER LLC EIN 36-4189747 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $33K |
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 | 86,264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36,348 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 693 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123,305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 22,545 | $32.3M |
| Dental(5 contracts, 5 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 22,545 | $21.1M |
| Vision(4 contracts, 3 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 39,802 | $24.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 53,574 | $21.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 47,136 | $12.1M |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 47,136 | $12.3M |
| Prescription drug | TRIPLE S SALUD, INC. | 58 | $297K |
| Other(2 contracts) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 89,237 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89,237 | — |
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.