| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING -ST. LOUIS | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $125K | $125K | 2.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK INC. NONE | Claims processing; Direct payment from the plan Service code 12 | 1331 GRAND AVENUE PO BOX 9232 DES MOINES, IA 503069232 | $151K |
| STATE STREET BANK AND TRUST EIN 93-0249060 NONE | Custodial (other than securities); Investment management; Direct payment from the plan; Soft dollars commissions; Trustee (directed); Custodial (securities); Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Other fees Service code 18 | — | $141K |
| BOSTON PARTNERS GLOBAL INVESTORS EIN 98-0202744 NONE | Investment management fees paid indirectly by plan; Soft dollars commissions; Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $129K |
| ELK CREEK PARTNERS, LLC EIN 27-5463196 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management; Direct payment from the plan; Non-monetary compensation Service code 28 | — | $120K |
| PIMCO EIN 33-0629048 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Direct payment from the plan; Investment management Service code 28 | — | $96K |
| SANDS CAPITAL MANAGEMENT, LLC EIN 20-2830751 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Soft dollars commissions; Investment management; Direct payment from the plan Service code 28 | — | $92K |
| DODGE AND COX EIN 94-1441976 NONE | Investment management fees paid indirectly by plan; Investment management; Soft dollars commissions; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $66K |
| WILLIS TOWER WATSON NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | 8400 NORMANDALE LAKE BLVD SUITE 1700 MINNEAPOLIS, MN 554373811 | $64K |
| MARATHON LONDON NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Direct payment from the plan; Investment management Service code 28 | 118. NORTH BEDFORD ROAD SUITE 202 MT KISCO, NY 10549 | $58K |
| JENNISON ASSOCIATES LLC EIN 52-2069785 NONE | Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $46K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $29K |
| AON CONSULTING EIN 22-2232264 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $27K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Investment management fees paid indirectly by plan; Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $23K |
| EXPRESS SCRIPTS INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $6K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,527 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 900 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,624 | $5.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,624 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,624 | — |
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.