| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 Filed as: SEDGWICK CLAIMS MANAGEMENTSERVICES | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 38118 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $7.2M | $7.2M | 11.14% |
| WILLIAM KELLY3 Filed as: WILLIAM KELLY, JR. | 3100 WEST END AVE, STE 905 NASHVILLE, TN 37203 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $727K | — | $727K | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | D/B/A TRION GROUP, MMC CO. 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $450K | — | $450K | 0.70% |
| DANIEL WISTED3 | 3440 PRESTON RIDGE RD. ALPHARETTA, GA 30005 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $89K | — | $89K | 0.14% |
| DONALD HURWITZ3 Filed as: DONALD HURWITZ, III | 1600 DIVISION ST., SUITE 400 NASHVILLE, TN 37203 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $89K | — | $89K | 0.14% |
| VOLUNTARY EMPLOYEE BENEFITS ADV.3 | ONE AMERICA CENTER 3100 WEST END AVENUE NASHVILLE, TN 37203 | EYEMED VISION CARE | $393K | — | $393K | 2.99% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES, LLC | 200 EAST RANDOLPH ST. CHICAGO, IL 60601 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $75K | — | $75K | 0.91% |
| AON CONSULTING INC3 Filed as: AON HEWITT | — | DELTA DENTAL OF CALIFORNIA | $29K | — | $29K | 0.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | P.O. BOX 905494 CHARLOTTE, NC 282905494 | COMPBENEFITS | -$3 | — | -$3 | -0.00% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOC. | 3350 RIVERWOOD PKWY SE, #80 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $15K | — | $15K | 1.00% |
| WILLIAM KELLY3 | 3100 WEST END AVENUE, SUITE 940 NASHVILLE, TN 37203 | LEGALACCESS | $146K | — | $146K | 12.26% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY | 3100 WEST END AVENUE, SUITE 905 NASHVILLE, TN 372031394 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | — | $52K | 4.51% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES, LLC | 3350 RIVERWOOD PKWY SE, #80 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $8K | — | $8K | 1.00% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | 39340 TREASURY CENTER CHICAGO, IL 60694 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 0.99% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES, LLC | 3350 RIVERWOOD PKWY SE, #80 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 1.00% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOC. | 3350 RIVERWOOD PKWY SE, #80 ATLANTA, TN 30339 | DELTA DENTAL OF TENNESSEE | $3K | — | $3K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4445 EASTGATE MALL, STE. 300 SAN DIEGO, CA 92121 | TRANSAMERICA LIFE INSURANCE COMPANY | $28K | — | $28K | 23.24% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY, JR. | 3100 WEST END AVE. STE. 905 NASHVILLE, TN 372031394 | VISION SERVICE PLAN | $4K | — | $4K | 5.00% |
| VOLUNTARY EMPLOYEE BENEFITS ADV.3 Filed as: VOLUNTARY EMPLOYEE BENEFITS ADVISOR | ONE AMERICA CENTER 3100 WEST END AVENUE NASHVILLE, TN 37203 | EYEMED VISION CARE | $2K | — | $2K | 2.79% |
| DUBRASKI & ASSOCIATES INS. SVCS.3 Filed as: DUBRASKI & ASSOCIATES INSURANCE SVS | 11622 EL CAMINO REAL, SUITE 100 SAN DIEGO, CA 92130 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $33K | $33K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $24.5M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIM ADMINISTRATION | Other services; Named fiduciary; Participant communication; Claims processing; Non-monetary compensation; Float revenue; Direct payment from the plan; Contract Administrator Service code 12 | — | $21.5M |
| VALUEOPTIONS, INC. EIN 54-1414194 INSURANCE CARRIER | Insurance services Service code 23 | — | $2.8M |
| METROPOLITIAN LIFE INSURANCE CO. EIN 13-5581829 INSURANCE CARRIER | Contract Administrator; Claims processing Service code 12 | — | $2.1M |
| BLUECROSS BLUESHEILD OF FLORIDA EIN 59-2015694 ASO FEES | Claims processing Service code 12 | — | $1.6M |
| CNIC HEALTH SOLUTIONS EIN 71-0873411 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $620K |
| COVENTRY HEALTH CARE OF KANSAS, INC EIN 48-0840330 N/A | Insurance services Service code 23 | — | $472K |
| BARRETT & SONS EIN 59-2175197 INSURANCE BROKERS | Insurance agents and brokers Service code 22 | — | $108K |
| SUREPOINT REINSURANCE ADVISORS, LLC | Contract Administrator; Claims processing Service code 12 | — | $74K |
| WILLIS RE, INC. TPA | Claims processing; Contract Administrator Service code 12 | P.O. BOX 60820 CHARLOTTE, NC 28260 | $74K |
| TC3 HEALTH, INC. EIN 13-4346850 NETWORK PROVIDER | Other services Service code 49 | — | $53K |
| PHCS EIN 48-0840330 WRAP FEES | Other services Service code 49 | — | $14K |
| WELLDYNE EIN 84-1515837 NETWORK PROVIDER | Other services Service code 49 | — | $14K |
| BLUECROSS BLUESHIELD OF FLORIDA | Other services Service code 49 | — | $0 |
| CIGNA | Named fiduciary; Non-monetary compensation; Claims processing; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Float revenue Service code 12 | — | $0 |
| SUREPOINT REINSURANCE ADVISORS TPA | Claims processing; Contract Administrator Service code 12 | 215 COMMERCIAL ST, STE 400 PORTLAND, ME 04101 | $0 |
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 | 143,259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 496 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143,755 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | BLUECHOICE HEALTHPLAN | 701 | $483K |
| Dental(16 contracts, 5 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 37,198 | $17.6M |
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE | 222,386 | $13.7M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 604,902 | $64.3M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 604,902 | $64.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 604,902 | $64.2M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 712,983 | $0 |
| Other(14 contracts, 6 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 202,965 | $15.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712,983 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.