| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $98K | $98K | 2.22% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.10% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | MIDWEST 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 0.36% |
| LUIS LOPEZ LUNA3 | CALLE J #21 URB. VILLA CAPARRA GUAYNABO, PR 00966 | MCS LIFE INSURANCE COMPANY | $33K | — | $33K | 4.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | MIDWEST 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 1.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 THIRD PARTY ADMIN. | Direct payment from the plan; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing; Named fiduciary; Participant communication; Other services Service code 12 | — | $4.7M |
| EXPRESS SCRIPTS CONTRACT ADMIN. | Named fiduciary; Participant communication; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | ONE EXPRESS WAY ST LOUIS, MO 63121 | $368K |
| CONSUMER MEDICAL CONTRACT ADMIN. | Contract Administrator; Participant communication; Claims processing; Named fiduciary Service code 12 | 141 LONGWATER DRIVE SUITE 113-A NORWELL, MA 02061 | $235K |
| WAGEWORKS, INC. CONTRACT ADMIN | Participant communication; Claims processing; Contract Administrator Service code 12 | P.O. BOX 224547 DALLAS, TX 752224547 | $54K |
| EVERNORTH BEHAVIORAL HEALTH INC EIN 41-1648670 PLAN ADMINISTRATOR | Claims processing; Direct payment from the plan; Contract Administrator; Participant communication Service code 12 | — | $13K |
| CIGNA | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing 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 | 7,315 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 37 | $657K |
| Dental | MCS LIFE INSURANCE COMPANY | 37 | $657K |
| Vision | EYEMED VISION CARE | 9,028 | $555K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,746 | $5.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,471 | $1.7M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,746 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,746 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.