| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $422K | $422K | 1.62% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $23K | $23K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 1.25% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $22K | $22K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.15% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.11% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.15% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.25% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | 160 FEDERAL ST. FL 9 BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.25% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.25% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.25% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.25% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.24% |
| MHA INSURANCE AGENCY3 Filed as: MHA INSURANCE AGENCY, INC. | 500 DISTRICT AVE BURLINGTON, MA 01803 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $7K | — | $7K | 9.33% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HOSPITAL RISK MANAGEMENT SOLUTIONS | 160 FEDERAL ST. FL 9 BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON LLC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $786 | $786 | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $715 | $715 | 1.14% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $558 | $558 | 1.02% |
| MHA INSURANCE AGENCY3 Filed as: MHA INSURANCE | 500 DISTRICT AVE. BURLINGTON, MA 01803 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $575 | $575 | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $540 | $540 | 1.25% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $537 | $537 | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $273 | $273 | 1.02% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $500 | $500 | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $208 | $208 | 1.25% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $261 | $261 | 2.99% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $218 | $218 | 2.50% |
No Schedule C service providers reported on this filing.
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 | 67,867 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 604 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,132 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 69,603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLWAYS HEALTH PARTNERS | 216 | $3.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 97,097 | $26.1M |
| Short-term disability(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 795 | $1.1M |
| Long-term disability(22 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,577 | $5.2M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 97,097 | $30.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97,097 | — |
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."
No prospect flags tripped on this filing.