| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 Filed as: SEDGWICK CLAIMS MGMT SERVICES, INC. | 2620 THOUSAND OAKS BOULEVARD MEMPHIS, TN 38118 | PRUDENTIAL | — | $8.9M | $8.9M | 10.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBA TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL | $701K | — | $701K | 0.82% |
| DANIEL WISTED3 | 3440 PRESTON RIDGE ROAD, SUITE 325 ALPHARETTA, GA 30005 | PRUDENTIAL | $128K | — | $128K | 0.15% |
| DONALD HURWITZ3 Filed as: DONALD HURWITZ III | 1600 DIVISION STREET, SUITE 400 NASHVILLE, TN 37203 | PRUDENTIAL | $128K | — | $128K | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 194062772 | UNITED HEALTHCARE | $342K | — | $342K | 2.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-29480 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $53K | $7K | $60K | 1.13% |
| ALIGHT SOLUTIONS3 | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$359 | — | -$359 | -0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-TAMPA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HUMANA COMPBENEFITS INSURANCE COMPANY | $18K | — | $18K | 0.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-29480 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $18K | — | $18K | 1.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-29480 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $18K | — | $18K | 1.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF CALIFORNIA | $17K | — | $17K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE, SUITE 600 ATLANTA, GA 30305 | DELTA DENTAL OF CALIFORNIA | $17K | — | $17K | 1.00% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY | 3100 WEST END AVE. STE 905 NASHVILLE, TN 37203 | TRANSAMERICA LIFE INSURANCE COMPANY | $316 | — | $316 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE, SUITE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $13K | — | $13K | 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 | $53K | — | $53K | 4.95% |
| 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 CONSULTING INC-29480 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $6K | — | $6K | 1.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $5K | — | $5K | 1.01% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 0.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-29480 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $3K | — | $3K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-29480 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $3K | — | $3K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-29480 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $791 | — | $791 | 1.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-29480 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $264 | — | $264 | 1.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-29480 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF OHIO, INC. | $264 | — | $264 | 1.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE, SUITE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO EIN 36-2739571 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 9700 HEALTH CARE LANE MINNETONKA, MA 55343 | $43.1M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $26.8M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 PROVIDER | Contract Administrator; Claims processing Service code 12 | — | $3.8M |
| BLUECROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | P O BOX 1798 JACKSONVILLE, FL 32231 | $2.1M |
| BARRETT LINER& BUSS LLC | Insurance agents and brokers Service code 22 | — | $549K |
| DANE STREET LLC DISABILITY VENDOR | Other insurance fees and expenses; Insurance services Service code 23 | P. O. BOX 417428 BOSTON, MA 022417428 | $318K |
| WAGE WORKS, INC. EIN 94-3351864 COBRA ADMINISTRATOR | Claims processing Service code 12 | 1100 PARK PLACE, FLOOR 4 SAN MATEO, CA 944031599 | $181K |
| BCBS OF FLORIDA | Contract Administrator Service code 13 | — | $23K |
| BROWN AND BROWN LTD DISABILITY VENDOR | Other insurance fees and expenses; Insurance services Service code 23 | ONE PIERCE PLACE ITASCA, IL 60143 | $8K |
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 | 206,442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,599 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANIES AND AFFILIATES | 10,167 | $69.1M |
| Dental(18 contracts, 14 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12,535 | $19.3M |
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE | 263,849 | $15.9M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL | 199,586 | $87.1M |
| Short-term disability | PRUDENTIAL | 199,586 | $85.4M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL | 199,586 | $108.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263,849 | — |
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.