| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $136K | $136K | 2.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIFEWORKS EIN 52-1883918 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $400K |
| HEALTH CARE SERVICES CORPORATION EIN 36-1236610 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $247K |
| MERCER INVESTMENT CONSULTING EIN 61-0736136 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $100K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (directed); Float revenue; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Soft dollars commissions; Direct payment from the plan Service code 25 | — | $38K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $34K |
| MCCONNELL & JONES EIN 76-0488832 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $34K |
| AARP EIN 95-1985500 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $15K |
| STOEL RIVES EIN 93-0408771 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
| OPTUM HEALTH FINANCIAL SERVICES,INC EIN 47-0858530 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $6K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Other commissions Service code 55 | — | $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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9,712 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,906 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,551 | $3.3M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 5,664 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,664 | — |
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.