| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $243K | — | $243K | 2.86% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 5.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT EIN 06-0838648 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.2M |
| SELECTHEALTH EIN 87-0409820 AFFILIATE OF SPONSOR | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $176K |
| SILCHESTER INTERNATIONAL INVESTORS EIN 45-3056700 NONE | Soft dollars commissions; Investment management; Finders' fees / placement fees; Investment management fees paid directly by plan; Float revenue Service code 28 | — | $103K |
| KPMG LLP EIN 13-5565207 NONE | Accounting (including auditing) Service code 10 | — | $63K |
| PENSION BENEFIT INFORMATION, LLC EIN 82-4722389 NONE | Direct payment from the plan; Other services Service code 49 | — | $63K |
| BNY MELLON EIN 13-5160382 PARTY-IN-INTEREST | Shareholder servicing fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Other investment fees and expenses; Trustee (bank, trust company, or similar financial institution); Float revenue Service code 15 | — | $62K |
| MERCER INVESTMENTS LLC EIN 30-0282430 NONE | Investment advisory (plan) Service code 27 | — | $54K |
| VOYA INVESTMENT MANAGEMENT CO. LLC EIN 06-1440627 NONE | Investment management fees paid directly by plan; Investment management; Soft dollars commissions Service code 28 | — | $38K |
| PIMCO EIN 33-0629048 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $26K |
| JENNISON ASSOCIATES LLC EIN 22-2540245 NONE | Investment management; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $23K |
| DODGE & COX EIN 94-1441976 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $18K |
| ERNST & YOUNG, LLC EIN 34-6565596 NONE | Direct payment from the plan Service code 50 | — | $6K |
| DIMENSIONAL FUND ADVISORS LP | 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 | 34,792 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 991 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 35,783 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 24,647 | $8.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 990 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,647 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.