| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBS TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL | $392K | $0 | $392K | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBS TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL | $142K | $0 | $142K | 0.25% |
| WILLIAM KELLY3 Filed as: WILLIAM KELLY JR | 3100 WEST END AVE STE 905 NASHVILLE, TN 37203 | PRUDENTIAL | $73K | $0 | $73K | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBS TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL | $53K | $0 | $53K | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBS TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PR 19406 | PRUDENTIAL | $5K | $0 | $5K | 0.01% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 Filed as: SEDGWICK CLAIMS MANAGEMENT SVCS INC | 2620 THOUSAND OAKS BLVD MEMPHIS, TN 38118 | PRUDENTIAL | — | $7.7M | $7.7M | 23.58% |
| DANIEL WISTED3 | 3440 PRESTON RIDGE RD STE 325 ALPHARETTA, GA 30005 | PRUDENTIAL | $104K | $0 | $104K | 0.32% |
| DONALD HURWITZ3 Filed as: DONALD HURWITZ III | 1600 DIVISION ST, SUITE 400 NASHVILLE, TN 37203 | PRUDENTIAL | $104K | $0 | $104K | 0.32% |
| WILLIAM KELLY3 Filed as: WILLIAM KELLY JR | 3100 WEST END AVE STE 905 NASHVILLE, TN 37203 | PRUDENTIAL | $91K | $0 | $91K | 0.59% |
| VOLUNTARY EMPLOYEE BENEFITS ADV.3 | ONE AMERICA CENTER 3100 WEST END AVENUE NASHVILLE, TN 37203 | EYEMED VISION CARE | $493K | $0 | $493K | 3.23% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES, LLC | 200 EAST RANDOLPH ST. CHICAGO, IL 60601 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | — | DELTA DENTAL OF CALIFORNIA | $33K | $0 | $33K | 1.00% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY | 3100 WEST END AVE. STE 905 NASHVILLE, TN 37203 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE, SUITE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $16K | $0 | $16K | 1.00% |
| WILLIAM KELLY3 | 3100 WEST END AVENUE, SUITE 940 NASHVILLE, TN 37203 | LEGALACCESS | $130K | $0 | $130K | 9.61% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY | 3100 WEST END AVENUE, SUITE 905 NASHVILLE, TN 372031394 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | $0 | $56K | 4.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD. NE STE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $8K | $0 | $8K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD. NE, STE. 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $5K | $0 | $5K | 1.00% |
| WILLIAM KELLY3 Filed as: WILLIAM A KELLY, JR | 3100 W END AVE STE 905 NASHVILLE, TN 372031394 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE, SUITE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $3K | $0 | $3K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $886 | $0 | $886 | 0.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $792 | $0 | $792 | 0.90% |
| 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 | $0 | $2K | 3.41% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY, JR. | 3100 WEST END AVE. STE. 905 NASHVILLE, TN 372031394 | VISION SERVICE PLAN | $3K | $0 | $3K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 306731298 | COMPBENEFITS | -$6 | $0 | -$6 | -0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $0 | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $0 | $0 | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC.-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $3 | $0 | $3 | 0.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $3 | $0 | $3 | 1.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $13 | $0 | $13 | 13.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTH CARE INSURANCE EIN 36-2739571 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $33.7M |
| AETNA LIFE INSURANCE CO. EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $22.4M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIM ADMINISTRATION | Other services; Participant communication; Float revenue; Contract Administrator; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary Service code 12 | — | $17.4M |
| BEACON HEALTH OPTIONS EIN 54-1414194 INSURANCE CARRIER | Insurance services Service code 23 | — | $3.8M |
| METROPOLITAN LIFE INSURANCE CO. EIN 13-5581829 CLAIM ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $3.4M |
| BLUECROSS BLUESHIELD OF FLORIDA EIN 59-2015694 PLAN SPONSOR 63583 | Contract Administrator; Claims processing Service code 12 | — | $1.4M |
| CIGNA | Direct payment from the plan; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Named fiduciary; Claims processing; Participant communication Service code 12 | — | $0 |
| WILLIS RE INC AGENT | Insurance agents and brokers Service code 22 | PO BOX 60820 CHARLOTTE, NC 28260 | $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 | 167,484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 766 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168,250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | BLUECHOICE HEALTHPLAN | 715 | $521K |
| Dental(22 contracts, 13 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 29,794 | $19.5M |
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE | 257,531 | $15.8M |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL | 186,547 | $75.3M |
| Short-term disability(3 contracts) | PRUDENTIAL | 186,547 | $105.7M |
| Long-term disability | PRUDENTIAL | 174,311 | $57.5M |
| Other(13 contracts, 6 carriers) | PRUDENTIAL | 186,095 | $71.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257,531 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.