| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: HEWITT ASSOC. LLC COMM. REVENUE | 39340 TREASURY CENTER CHICAGO, IL 606949300 | HYATT LEGAL PLANS, INC | $15K | $0 | $15K | 8.35% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOC. LLC COMM. REVENUE | 39030 TREASURY CTR CHICAGO, IL 60694 | HYATT LEGAL PLANS, INC | $3K | $0 | $3K | 1.75% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE, LLC | 2670 UNION AVE EXT, SUITE 200 MEMPHIS, TN 38112 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TENNESSEE EIN 62-0427913 CLAIMS PROCESSOR | Contract Administrator Service code 13 | — | $1.6M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $337K |
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 | 12,485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MERITAIN HEALTH | 8,368 | $4.7M |
| Dental | DELTA DENTAL OF TENNESSEE | 14,902 | $3.7M |
| Vision | EYEMED VISION CARE | 12,447 | $846K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 71,014 | $4.5M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 71,014 | $4.5M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 71,014 | $4.5M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF HAWAII | 249 | $1.5M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 7,653 | $3.3M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 71,014 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 71,014 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.