| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $543K | $543K | 0.66% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | — | $388K | $388K | 0.48% |
| DIGITAL INSURANCE LLC3 | 72 SHARP ST UNIT C12 HINGHAM, MA 02043 | HARTFORD LIFE AND ACCIDENT | $149K | — | $149K | 0.18% |
| DONALD HURWITZ3 Filed as: DONALD S HURWITZ | 1600 DIVISION ST STE 400 NASHVILLE, TN 37203 | HARTFORD LIFE AND ACCIDENT | $149K | — | $149K | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $122K | — | $122K | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | UNITEDHEALTHCARE INSURANCE COMPANY | $453K | — | $453K | 2.99% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $399K | $150K | $549K | 3.70% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 1.00% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 200 E RANDOLPH STREET CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$107 | $8K | $8K | 0.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-TAMPA | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HUMANA COMPBENEFITS INSURANCE COMPANY | $18K | — | $18K | 1.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $16K | — | $16K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $15K | — | $15K | 1.00% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY | 3100 WEST END AVE STE 905 NASHVILLE, TN 37203 | TRANSAMERICA LIFE INSURANCE COMPANY | $189 | — | $189 | 0.01% |
| WILLIAM KELLY3 | PO BOX 17405 NASHVILLE, TN 372170405 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | — | $57K | 5.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE STE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $10K | — | $10K | 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 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $7K | — | $7K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE STE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $5K | — | $5K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $3K | — | $3K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH MISSOURI, INC. | $3K | — | $3K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE, SUITE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $2K | — | $2K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 7.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $114 | — | $114 | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $54 | — | $54 | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $26 | — | $26 | 1.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $17 | — | $17 | 0.98% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $8 | — | $8 | 0.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF OHIO, INC. | $7 | — | $7 | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $7 | — | $7 | 1.04% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $5 | — | $5 | 1.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $4 | — | $4 | 1.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | $2 | — | $2 | 0.95% |
No Schedule C service providers reported on this filing.
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 | 304,202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,038 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306,240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 277,368 | $11.9M |
| Dental(23 contracts, 20 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11,424 | $14.6M |
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE | 285,148 | $16.3M |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 2,924 | $1.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 210,914 | $81.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 210,914 | $81.7M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 184,636 | $14.8M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 210,914 | $99.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285,148 | — |
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.