| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $9K | — | $9K | 0.36% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $139K | — | $139K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $97K | $97K | 7.00% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY LLC | 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | RELIASTAR LIFE INSURANCE COMPANY | — | $56K | $56K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD EIN 36-1236610 NONE | Claims processing; Contract Administrator; Other insurance fees and expenses Service code 12 | — | $4.8M |
| ALIGHT SOLUTIONS EIN 36-2235791 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 15 | — | $2.9M |
| MERITAIN HEALTH EIN 16-2164154 NONE | Contract Administrator; Other insurance fees and expenses; Insurance agents and brokers Service code 13 | P.O. BOX 853921 RICHARDSON TEXAS, TX 75085 | $2.1M |
| ACCOLADE, INC. EIN 01-0969591 NONE | Insurance agents and brokers; Contract Administrator; Other insurance fees and expenses Service code 13 | — | $1.9M |
| AON CONSULTING EIN 22-2232264 NONE | Other insurance fees and expenses; Claims processing Service code 12 | — | $603K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing; Other insurance fees and expenses Service code 12 | 100 PARSONS POND DRVE FRANKLIN LAKES, NJ 07417 | $587K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Named fiduciary; Contract Administrator; Direct payment from the plan; Float revenue; Non-monetary compensation; Claims processing; Participant communication; Other services Service code 12 | — | $351K |
| EDEN HEALTH MEDICAL, P.C. EIN 81-5250608 NONE | Contract Administrator; Other insurance fees and expenses Service code 13 | — | $196K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Other insurance fees and expenses; Contract Administrator Service code 13 | — | $160K |
| MDLIVE EIN 45-4937055 NONE | Contract Administrator; Other insurance fees and expenses Service code 13 | — | $131K |
| CURCIO WEBB EIN 36-4171366 NONE | Claims processing; Other insurance fees and expenses Service code 12 | — | $84K |
| CROWE LLP EIN 35-0921680 NONE | Other fees; Consulting fees; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $73K |
| EDH HOLDINGS LLC EIN 99-1373613 NONE | Insurance agents and brokers; Other insurance fees and expenses; Contract Administrator Service code 13 | — | $49K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $31K |
| BELL LITHO INC. EIN 36-2550923 NONE | Other fees; Copying and duplicating Service code 36 | — | $27K |
| MDX MEDICAL LLC EIN 26-3441881 NONE | Other insurance fees and expenses; Contract Administrator Service code 13 | — | $24K |
| SEYFARTH SHAW LLP EIN 36-2152202 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
| CIGNA | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication Service code 12 | — | $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 | 28,100 | 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) | 28,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(24 contracts, 5 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 17,502 | $106.4M |
| Dental(13 contracts, 2 carriers) | SIMNSA | 444 | $1.8M |
| Vision | VISION SERVICE PLAN | 14,611 | $2.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 38,789 | $11.7M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 38,789 | $12.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 38,789 | $11.7M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 5,815 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,789 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.