| 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 | — | $427K | $427K | 1.55% |
| CUSTOM BENEFIT PROGRAMS INC | 897 12TH ST HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE COMPANY | $245K | — | $245K | 23.25% |
| EMPOWER BENEFITS INC DBA CORESTREAM | 5405 CYPRESS CENTER DR STE 100 TAMPA, FL 33609 | AETNA LIFE INSURANCE COMPANY | $71K | — | $71K | 6.75% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $26K | $26K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 1.25% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $26K | $26K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 1.25% |
| 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 | — | $6K | $6K | 0.91% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 0.91% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 0.89% |
| 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 | — | $10K | $10K | 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 | — | $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% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 2.97% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.24% |
| 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, NY 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 | — | $5K | $5K | 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% |
| CORESTREAM | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 33609 | LEGALPLANS, USA | — | $35K | $35K | 25.00% |
| 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 | 1.25% |
| MHA INSURANCE AGENCY3 Filed as: MHA INSURANCE AGENCY, INC. | 500 DISTRICT AVE BURLINGTON, MA 01803 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $8K | — | $8K | 10.02% |
| 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 | — | $847 | $847 | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $688 | $688 | 1.04% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $564 | $564 | 0.92% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $438 | $438 | 0.86% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $626 | $626 | 1.25% |
| MHA INSURANCE AGENCY3 Filed as: MHA INSURANCE | 500 DISTRICT AVE. BURLINGTON, MA 01803 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $339 | — | $339 | 0.70% |
| 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 | — | $556 | $556 | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $247 | $247 | 1.04% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $567 | $567 | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NC 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $236 | $236 | 1.25% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6 | $6 | 1.30% |
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 | 72,904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 364 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 73,268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 105,592 | $27.7M |
| Short-term disability(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 791 | $1.2M |
| Long-term disability(23 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,833 | $6.2M |
| Other(6 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 105,592 | $29.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105,592 | — |
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.