| 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 800 LITTLETON, CO 801208038 | METROPOLITAN LIFE INSURANCE COMPANY | $218K | — | $218K | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN CO | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | -$274K | $223K | -$51K | -0.41% |
| SPROUSE, STEPHEN3 | 26411 SHADOW HILL LANE PLANO, TX 75093 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $38K | — | $38K | 1.72% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $487 | $487 | 0.06% |
| WALTER MARKOVSKY, JR3 | 3210-2G LYNN RIDGE DRIVE RALEIGH, NC 27613 | MONUMENTAL LIFE INSURANCE COMPANY | $21K | — | $21K | 5.32% |
| JOHN MIKE COLLINS3 | 1620 MAIN STREET SUITE 5 SARASOTA, FL 342365824 | MONUMENTAL LIFE INSURANCE COMPANY | $21K | — | $21K | 5.32% |
| 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 | — | $70 | $70 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & | MCLENNAN AGENCY LLC COMPANY 230 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON CONSULTING EIN 22-2232264 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $30.5M |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $61K |
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 | 87,030 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30,475 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 343 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117,848 | 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 | 21,315 | $32.1M |
| Dental(5 contracts, 5 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 21,315 | $20.1M |
| Vision(3 contracts, 3 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 38,996 | $22.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 60,722 | $23.0M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 47,784 | $12.7M |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 47,784 | $12.8M |
| Prescription drug | TRIPLE S SALUD, INC. | 59 | $308K |
| Other | TRIPLE S SALUD, INC. | 59 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60,722 | — |
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.