| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $713 | $1K | $2K | 0.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT EIN 06-0838648 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $987K |
| SELECTHEALTH EIN 87-0409820 AFFILIATE OF SPONSOR | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $344K |
| SILCHESTER INTERNATIONAL INVESTORS EIN 45-3056700 NONE | Investment management fees paid directly by plan; Float revenue; Investment management Service code 28 | — | $135K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other investment fees and expenses; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Shareholder servicing fees; Float revenue Service code 15 | — | $89K |
| SUMMIT STRATEGIES, INC. EIN 43-1708520 NONE | Direct payment from the plan; Investment advisory (plan); Consulting (pension); Consulting fees Service code 17 | — | $51K |
| JENNISON ASSOCIATES LLC EIN 22-2540245 NONE | Investment management fees paid directly by plan; Investment management; Soft dollars commissions Service code 28 | — | $45K |
| PACIFIC INVESTMENT MANAGEMENT CO. EIN 33-0629048 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $44K |
| BENEFIT CONCEPTS NONE | Other services; Direct payment from the plan Service code 49 | 1100 PARK PLACE, 4TH FLOOR SAN MATEO, CA 94403 | $34K |
| KPMG LLP EIN 13-5565207 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $34K |
| KESTREL INVESTMENT MANAGEMENT CORP. EIN 94-3173193 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $32K |
| TYGH CAPITAL MANAGEMENT EIN 41-2139219 NONE | Investment management; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $28K |
| GAMCO ASSET MANAGEMENT, INC. EIN 13-4044521 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $25K |
| DODGE & COX EIN 94-1441976 NONE | Soft dollars commissions; Investment management; Investment management fees paid directly by plan Service code 28 | — | $24K |
| THE DATA CENTER, LLC EIN 87-0644300 NONE | Other services; Direct payment from the plan Service code 49 | — | $19K |
| STOEL RIVES LLP EIN 93-0408771 NONE | Legal; Direct payment from the plan Service code 29 | — | $18K |
| ERNST & YOUNG EIN 34-6565596 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $10K |
| DIMENSIONAL FUND ADVISORS LP EIN 30-0447847 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $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 | 29,921 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,943 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 31,864 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,839 | $633K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,839 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.