| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $623K | — | $623K | 0.90% |
| WILLIAM KELLY3 Filed as: WILLIAM KELLY, JR. | 3100 WEST END AVE, STE 905 NASHVILLE, TN 37203 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $330K | — | $330K | 0.47% |
| DANIEL WISTED3 | 3440 PRESTON RIDGE RD. ALPHARETTA, GA 30005 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $97K | — | $97K | 0.14% |
| DONALD HURWITZ3 Filed as: DONALD HURWITZ, III | 1600 DIVISION ST., SUITE 400 NASHVILLE, TN 37203 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $97K | — | $97K | 0.14% |
| VOLUNTARY EMPLOYEE BENEFITS ADV.3 | ONE AMERICA CENTER 3100 WEST END AVENUE NASHVILLE, TN 37203 | EYEMED VISION CARE | $392K | — | $392K | 2.73% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES, LLC | 200 EAST RANDOLPH ST. CHICAGO, IL 60601 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $82K | — | $82K | 1.00% |
| DUBRASKI & ASSOCIATES INS. SVCS.3 Filed as: DUBRASKI & ASSOCIATES INSURANCE SVS | 11622 EL CAMINO REAL, SUITE 100 SAN DIEGO, CA 92130 | RELIASTAR LIFE INSURANCE COMPANY | $285K | — | $285K | 3.72% |
| AON CONSULTING INC3 Filed as: AON HEWITT | — | DELTA DENTAL OF CALIFORNIA | $11K | — | $11K | 0.34% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY | 3100 WEST END AVE. STE 905 NASHVILLE, TN 37203 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | — | $12K | 0.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $33K | — | $33K | 1.63% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOC. | 3350 RIVERWOOD PKWY SE, #80 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $13K | — | $13K | 0.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE, SUITE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 0.25% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY | 3100 WEST END AVENUE, SUITE 905 NASHVILLE, TN 372031394 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | — | $56K | 4.96% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES, LLC | 3350 RIVERWOOD PKWY SE, #80 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 0.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD. NE STE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 0.25% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES, LLC | 3350 RIVERWOOD PKWY SE, #80 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 0.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD. NE, STE. 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $1K | — | $1K | 0.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $7K | — | $7K | 1.76% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOC. | 3350 RIVERWOOD PKWY SE, #80 ATLANTA, TN 30339 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 0.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE, SUITE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $724 | — | $724 | 0.25% |
| WILLIAM KELLY3 | 3100 WEST END AVENUE, SUITE 940 NASHVILLE, TN 37203 | LEGALACCESS | — | $173K | $173K | 100.00% |
| 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 | 2.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC.-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $1K | — | $1K | 1.78% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY, JR. | 3100 WEST END AVE. STE. 905 NASHVILLE, TN 372031394 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $382 | — | $382 | 1.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $94 | — | $94 | 1.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $34 | — | $34 | 1.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $18 | — | $18 | 1.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC.-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $14 | — | $14 | 1.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $1 | — | $1 | 4.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 306731298 | COMPBENEFITS | $1 | — | $1 | 4.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO. EIN 36-2739571 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $28.2M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIM ADMINISTRATION | Float revenue; Other services; Participant communication; Contract Administrator; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing Service code 12 | — | $22.3M |
| AETNA LIFE INSURANCE CO. EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $19.8M |
| BEACON HEALTH OPTIONS EIN 54-1414194 INSURANCE CARRIER | Insurance services Service code 23 | — | $3.8M |
| BLUECROSS BLUESHIELD OF FLORIDA EIN 59-2015694 ASO FEES | Contract Administrator; Claims processing Service code 12 | — | $3.2M |
| METROPOLITAN LIFE INSURANCE CO. EIN 13-5581829 CLAIM ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $3.0M |
| BARRETT LINER & RUSS | Insurance agents and brokers Service code 22 | — | $196K |
| BARRETT LINER & BUSS, LLC EIN 47-4575205 AGENT | Insurance agents and brokers Service code 22 | — | $0 |
| CIGNA | Direct payment from the plan; Non-monetary compensation; Claims processing; Other services; Named fiduciary; Float revenue; Participant communication; Contract Administrator Service code 12 | — | $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 | 161,488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 734 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162,222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | BLUECHOICE HEALTHPLAN | 594 | $450K |
| Dental(16 contracts, 4 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 36,598 | $17.3M |
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE | 250,230 | $14.9M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 644,720 | $72.0M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 644,720 | $69.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 644,720 | $69.6M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 157,217 | $7.7M |
| Other(14 contracts, 6 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 184,285 | $14.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644,720 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.