| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO | — | $7K | $7K | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INS CO NONE | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 22703 NETWORK PLACE CHICAGO, IL 60673 | $1.7M |
| HEALTH YOU LLC NONE | Other services Service code 49 | 3314 MESA RD COLORADO SPRINGS, CO 80904 | $669K |
| MERCER HEALTH & BENEFITS LLC NONE | Consulting fees Service code 70 | PO BOX 100260 PASADENA, CA 91189 | $279K |
| DELTA DENTAL EIN 84-0568337 NONE | Employee (plan) Service code 30 | — | $148K |
| EXPRESS SCRIPTS INC EIN 22-3461740 NONE | Employee (plan) Service code 30 | — | $111K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Employee (plan) Service code 30 | — | $64K |
| RENE HERNANDEZ NONE | Copying and duplicating Service code 36 | ONE TIERRA VISTA LAGUNA HILLS, CA 92653 | $58K |
| AETNA BEHAVIORAL HEALTH NONE | Plan Administrator Service code 14 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $50K |
| BROCK AND CO CPAS PC EIN 84-0930288 NONE | Accounting (including auditing) Service code 10 | — | $28K |
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 | 3,038 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,063 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE CO | 8,541 | $3.2M |
| Short-term disability | AETNA LIFE INSURANCE CO | 8,541 | $3.2M |
| Long-term disability | AETNA LIFE INSURANCE CO | 8,541 | $3.2M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 3,063 | $1.7M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 8,541 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,541 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.