| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBA TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL | $146K | $0 | $146K | 0.23% |
| DONALD HURWITZ3 Filed as: DONALD HURWITZ III | 1600 DIVISION STREET SUITE 400 NASHVILLE, TN 37203 | PRUDENTIAL | $122K | $0 | $122K | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBA TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL | $57K | $0 | $57K | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBA TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL | $6K | $0 | $6K | 0.01% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 Filed as: SEDGWICK CLAIMS MANAGEMENT SVCS INC | 2620 THOUSAND OAKS BLVD MEMPHIS, TN 38118 | PRUDENTIAL | $8.4M | $0 | $8.4M | 39.27% |
| VOLUNTARY EMPLOYEE BENEFITS ADV.3 | ONE AMERICA CENTER 3100 WEST END AVENUE NASHVILLE, TN 37203 | EYEMED VISION CARE | $0 | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBA TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL | $462K | $0 | $462K | 2.85% |
| DANIEL WISTED3 | 3440 PRESTON RIDGE ROAD ALPHARETTA, GA 19406 | PRUDENTIAL | $122K | $0 | $122K | 0.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF CALIFORNIA | $29K | — | $29K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HUMANA COMPBENEFITS INSURANCE COMPANY | $20K | — | $20K | 1.00% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY | 3100 WEST END AVE. STE 905 NASHVILLE, TN 37203 | TRANSAMERICA LIFE INSURANCE COMPANY | $931 | — | $931 | 0.05% |
| WILLIAM KELLY3 | 3100 WEST END AVENUE, SUITE 940 NASHVILLE, TN 37203 | LEGALACCESS | — | $0 | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE, SUITE 600 ATLANTA, CA 30305 | DELTA DENTAL OF TENNESSEE | $14K | — | $14K | 1.00% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY | 3100 WEST END AVENUE, SUITE 905 C/O VOLUNTARY EMP BENEFIT ADVISORS NASHVILLE, TN 372031394 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | — | $54K | 5.10% |
| WILLIAM KELLY3 | 3100 WEST END AVE STE 905 C/O VOLUNTARY EMPLOYEE BENEFITS NASHVILLE, TN 37203 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | — | $54K | 5.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD. NE STE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $8K | — | $8K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD. NE, STE. 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $8K | — | $8K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 1.10% |
| WILLIAM KELLY3 Filed as: WILLIAM A KELLY, JR | 3100 W END AVE STE 905 NASHVILLE, TN 372031394 | VISION SERVICE PLAN | — | $60K | $60K | 14.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE, SUITE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 1.00% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY, JR. | 3100 WEST END AVE. STE. 905 NASHVILLE, TN 372031394 | VISION SERVICE PLAN | — | $17K | $17K | 20.50% |
| VOLUNTARY EMPLOYEE BENEFITS ADV.3 Filed as: VOLUNTARY EMPLOYEE BENEFITS ADVISOR | ONE AMERICA CENTER 3100 WEST END AVENUE NASHVILLE, TN 37203 | EYEMED VISION CARE | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO EIN 36-2739571 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 9700 HEALTH CARE LANE MINNETONKA, MA 55343 | $34.5M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $23.5M |
| CIGNA HEALTH AND LIFE INSURANC CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Claims processing; Participant communication; Float revenue; Named fiduciary; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $17.5M |
| METROPOLITAN LIFE INS CO EIN 13-5581829 INSURANCE CARRIER | Contract Administrator; Claims processing Service code 12 | 501 US HIGHWAY 22 2ND FLOOR WEST BRIDGEWATER, NJ 08807 | $3.7M |
| BLUECROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 PLAN SPONSOR | Contract Administrator Service code 13 | P O BOX 1798 JACKSONVILLE, FL 32231 | $1.5M |
| BCBS OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | P O BOX 1798 ATLANTA, GA 32231 | $470K |
| BARRETT LINER AND BUSS LL EIN 47-4575205 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 104 SE 1ST AVENUE OCALA, FL 34471 | $279K |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Contract Administrator Service code 13 | — | $6K |
| AMERICAN SPECIALTY HEALTH EIN 33-0571188 CONTRACT ADMINISTRATOR | Named fiduciary; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Participant communication; Investment management fees paid indirectly by plan Service code 12 | 10221 WATERIDGE CIRCLE 201 SAN DIEGO, CA 92121 | $0 |
| AMPLIFON HEARING HEALTHCARE EIN 85-0437037 HEALTHY REWARD VENDOR | Float revenue; Participant communication; Contract Administrator; Other services; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation Service code 12 | FIFTH STREET TOWERS 150 SOUTH FIFTH STREET, SUITE 2300 MINNEAPOLIS, MN 55402 | $0 |
| BANK OF AMERICA EIN 59-1031071 CLAIM RECOVERY | Participant communication; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Named fiduciary Service code 12 | 540 WEST MADISON STREET CHICAGO, IL 60661 | $0 |
| BARRET LINER AND BUSS LL EIN 47-4575205 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 104 SE 1ST AVENUE OCALA, FL 34471 | $0 |
| BARRETT LINER & BUSS LL EIN 47-4575205 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 104 SE 1ST AVENUE OCALA, FL 34471 | $0 |
| CASTLIGHT HEALTH EIN 26-1989091 PARTICIPANT ADMIN. | Named fiduciary; Float revenue; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Direct payment from the plan Service code 12 | 121 SPEAR STREET 34D FLOOR SAN FRANCISCO, CA 95105 | $0 |
| CIGNA | Float revenue; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE INSUARANCE CO | Direct payment from the plan; Float revenue; Participant communication; Non-monetary compensation; Contract Administrator; Claims processing; Named fiduciary; Other services Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE INSURANCE CO | Claims processing; Other services; Float revenue; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Contract Administrator; Participant communication Service code 12 | — | $0 |
| CITIBANK NA EIN 59-1031071 NETWORK PROVIDER | Participant communication; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Float revenue; Named fiduciary; Claims processing; Other services Service code 12 | ONE PENNS WAY NEW CASTLE, DE 19720 | $0 |
| CITIBANK NA (OMNIBUS) EIN 59-1031071 PROVIDER | Named fiduciary; Float revenue; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Direct payment from the plan Service code 12 | ONE PENNS WAY NEW CASTLE, DE 19720 | $0 |
| CITIBANK NA - CHLIC CORE DEPOSITS EIN 59-1031071 PROVIDER | Float revenue; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | ONE PENNS WAY NEW CASTLE, DE 19720 | $0 |
| DEUTSCHE BANK EIN 59-1031071 PROVIDER | Float revenue; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | 60 WALL STREET NEW YORK, NY 100052836 | $0 |
| FIT FOR LIFE EIN 38-3983812 NETWORK PROVIDER | Named fiduciary; Contract Administrator; Other services; Float revenue; Participant communication; Direct payment from the plan; Claims processing; Non-monetary compensation Service code 12 | 833 WEST SOUTH BORDER ROAD LOUISVILLE, CO 800272452 | $0 |
| JP MORGAN CHASE EIN 59-1031071 PROVIDER OF SERVICES | Other services; Participant communication; Float revenue; Contract Administrator; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary Service code 12 | 3 CHASE METRO TECH CENTER 5TH FLOOR BROOKLYN, NY 11245 | $0 |
| OMADA HEALTH EIN 45-2355015 PLAN COMMUNICATION | Non-monetary compensation; Contract Administrator; Direct payment from the plan; Participant communication; Claims processing; Float revenue; Named fiduciary; Other services Service code 12 | 500 SANSOME STREET #200 SAN FRANCISCO, CA 94111 | $0 |
| SAGAMORE NETWORK HOSPITALS EIN 35-1720796 NETWORK PROVIDER | Float revenue; Participant communication; Contract Administrator; Other services; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation Service code 12 | BLOOMING HOSPITAL NETWORKS P O BOX 1149 BLOOMINGTON, IN 47402 | $0 |
| VISION SERVICE PLAN EIN 06-1227840 ADMINISTRATOR | Non-monetary compensation; Other services; Contract Administrator; Direct payment from the plan; Float revenue; Claims processing; Participant communication; Named fiduciary Service code 12 | 333 QUALITY DRIVE RANCHO CORDOVA, CA 96670 | $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 | 170,125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 904 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171,029 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | BLUECHOICE HEALTHPLAN | 754 | $603K |
| Dental(16 contracts, 13 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 25,787 | $19.7M |
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE | 270,515 | $16.9M |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL | 188,054 | $83.1M |
| Short-term disability(3 contracts) | PRUDENTIAL | 188,054 | $102.7M |
| Long-term disability | PRUDENTIAL | 136,957 | $65.0M |
| Other(6 contracts, 5 carriers) | PRUDENTIAL | 237,813 | $77.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270,515 | — |
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."
No prospect flags tripped on this filing.