| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $253K | $63K | $316K | 2.12% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $12K | $12K | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION A MARSH MCLENNAN AGENCY | — | UNUM GROUP | $42K | — | $42K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS. CO. EIN 59-1031071 NONE | Participant communication; Named fiduciary; Other services; Float revenue; Non-monetary compensation; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $3.2M |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $998K |
| FIDELITY INVESTMENTS EIN 04-2647786 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $146K |
| NISA INVESTMENT ADVISORS LLC EIN 48-1140940 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $95K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $40K |
| BNY MELLON ASSET MGMT NORTH AMERICA EIN 25-1442864 NONE | Investment management; Redemption fees Service code 28 | — | $35K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Actuarial Service code 11 | — | $5K |
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 | 6,385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,365 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 92 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $14.9M |
| Stop-loss / reinsurancereinsurance | UNUM GROUP | 6,515 | $844K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $15.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,515 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.