| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC0 | 29840 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMANY | $15K | — | $15K | 0.69% |
| AON CONSULTING INC0 | 29840 NETWORK PL CHICAGO, IL 60673 | EYEMED | $8K | — | $8K | 3.32% |
| AON CONSULTING INC0 | 29840 NETWORK PL CHICAGO, IL 606731298 | EYEMED | $7K | — | $7K | 3.65% |
| BRANCH BENEFITS CONSULTANTS Filed as: BRANCH BENEFIT CONSULTANTS | 4584 NORTH RANCHO DR LAS VEGAS, NV 89130 | METLIFE LEGAL PLANS | $6K | — | $6K | 10.11% |
| AON CONSULTING INC0 | 29840 NETWORK PL CHICAGO, IL 60673 | EYEMED | $14 | — | $14 | 2.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 TPA | Plan Administrator; Contract Administrator Service code 13 | 151 FARMINGTON AVENUE, RT21 HARTFORD, CT 06156 | $2.6M |
| DELTA DENTAL EIN 94-2761537 NONE | Claims processing Service code 12 | PO BOX 1809 ALPHARETTA, GA 300231809 | $103K |
| EXPRESS SCRIPTS, INC EIN 43-1420563 TPA | Plan Administrator Service code 14 | 1 EXPRESS WAY ST. LOUIS, MO 63121 | $45K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Custodial (securities) Service code 19 | 500 GRANT ST BNY MELLON CTR RM625 PITTSBURGH, PA 15258 | $36K |
| INFOARMOR EIN 26-0634314 NONE | Other fees Service code 99 | 7001 N. SCOTTSDALE ROAD SCOTTSDALE, AZ 85253 | $29K |
| AETNA BEHAVIORIAL HEALTH, LLC EIN 20-0446713 TPA | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE, RSAA HARTFORD, CT 061563705 | $25K |
| AON BENFIELD EIN 36-4212192 NONE | Contract Administrator Service code 13 | ONE SEAPORT, 199 WATER ST. 7TH FL NEW YORK, NY 10038 | $12K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Investment management fees paid directly by plan Service code 51 | ONE LINCOLN STREET BOSTON, MA 02111 | $11K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 TPA | Contract Administrator; Claims processing Service code 12 | 501 U.S. HIGHWAY 22, 2ND FLOOR - WE BRIDGEWATER, NJ 08807 | $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 | 2,481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,865 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(7 contracts) | EYEMED | 3,122 | $458K |
| Life insurance | RELIASTAR LIFE INSURANCE COMANY | 9,801 | $2.2M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 2,321 | $954K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMANY | 9,801 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,801 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.