| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | — | $56K | 2.57% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 6TH FLOOR 701 B STREET SAN DIEGO, CA 921018156 | PRUDENTIAL LIFE INSURANCE COMPANY | $200K | — | $200K | 9.65% |
| DG3 NORTH AMERICA INC5 | PO BOX 83090 CHICAGO, IL 60691 | PRUDENTIAL LIFE INSURANCE COMPANY | — | $61K | $61K | 2.94% |
| DG3 NORTH AMERICA INC5 | PO BOX 83090 CHICAGO, IL 606913010 | PRUDENTIAL LIFE INSURANCE COMPANY | — | $16K | $16K | 0.75% |
| HARVARD PRINTING GROUP5 | 175 US HIGHWAY 46 WEST FAIRFIELD, NJ 070042324 | PRUDENTIAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4 RADNOR CORPORATE CENTER 100 MATSONFORD ROAD, SUITE 510 RANDOR, PA 19087 | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4 RADNOR CORPORATE CENTER 100 MATSONFORD ROAD, SUITE 510 RADNOR, PA 19087 | AETNA GLOBAL BENEFITS | $9K | — | $9K | 1.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $20.0M |
| UNITED HEALTH CARE EIN 41-1289245 NONE | Contract Administrator Service code 13 | — | $15.5M |
| HEWITT ASSOCIATES EIN 36-2235791 NONE | Contract Administrator Service code 13 | — | $7.5M |
| VALUE OPTIONS EIN 54-1692863 NONE | Contract Administrator Service code 13 | — | $3.7M |
| VISION SERVICES PLAN EIN 48-2111122 NONE | Contract Administrator Service code 13 | — | $666K |
| RR DONNELLEY EIN 36-2515832 NONE | Contract Administrator Service code 13 | — | $355K |
| ALERE EIN 20-0231080 NONE | Copying and duplicating Service code 36 | — | $280K |
| EARTH THEBAULT, INC EIN 22-2285471 NONE | Participant communication Service code 38 | — | $59K |
| DONNCHADH, LLC EIN 47-4292942 NONE | Participant communication Service code 38 | — | $44K |
| ACCENT EIN 20-1802547 NONE | Contract Administrator Service code 13 | — | $28K |
| METLIFE EIN 13-5581829 NONE | Copying and duplicating Service code 36 | — | $24K |
| MEDICAL REVIEW EIN 87-0394756 NONE | Contract Administrator Service code 13 | — | $5K |
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 | 80,176 | 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) | 80,176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 3 carriers) | KAISER PERMANENTE | 4,452 | $37.3M |
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 26,547 | $10.8M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 271 | $1.7M |
| Life insurance(3 contracts) | PRUDENTIAL LIFE INSURANCE COMPANY | 290,091 | $23.8M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 49,176 | $16.3M |
| Prescription drug | AETNA GLOBAL BENEFITS | 191 | $592K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,400 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290,091 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.