| 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 | $266K | — | $266K | 1.70% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $317K | $317K | 32.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS. CO. EIN 59-1031071 NONE | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Float revenue Service code 12 | — | $3.2M |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $1.1M |
| NISA INVESTMENT ADVISORS LLC EIN 48-1140940 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $92K |
| FIDELITY INVESTMENTS EIN 04-2647786 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $92K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $61K |
| BNY MELLON ASSET MGMT NORTH AMERICA EIN 25-1442864 NONE | Investment management; Redemption fees Service code 28 | — | $34K |
| STATE STREET BANK & TRUST CO EIN 04-1867445 NONE | Custodial (securities); Float revenue; Distribution (12b-1) fees; Other fees; Investment management Service code 19 | — | $16K |
| MERCER INVESTMENTS LLC EIN 30-0282430 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $7K |
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 | 6,112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,349 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $15.7M |
| Stop-loss / reinsurancereinsurance | UNUM GROUP | 6,019 | $731K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $16.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,019 | — |
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.