| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $384K | $384K | 1.24% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5405 CYPRESS CENTER DR TAMPA, FL 33609 | AETNA LIFE INSURANCE COMPANY | $4.5M | — | $4.5M | 39.13% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE COMPANY | $266K | — | $266K | 2.31% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 1.36% |
| CORESTREAM3 | 5404 CYPRESS CENTER DR TAMPA, FL 33609 | LEGALPLANS, USA | — | $192K | $192K | 20.00% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 600694302 | LEGALPLANS, USA | — | $48K | $48K | 5.00% |
| CLEAR VIEW CONSULTING3 | 12 S. MILL ST. HOPKINTON, MA 01748 | LEGALPLANS, USA | $24K | — | $24K | 2.50% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 1.37% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 1.38% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 1.36% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 1.28% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 1.38% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.45% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.59% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.59% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON LLC | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 1.60% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.38% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.24% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.50% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.26% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.59% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.37% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.59% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.35% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.44% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.36% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.36% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.47% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $898 | $898 | 1.59% |
| MHA INSURANCE AGENCY3 | 500 DISTRICT AVE. BURLINGTON, MA 01803 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $513 | — | $513 | 1.11% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $530 | $530 | 1.15% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $610 | $610 | 1.43% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $663 | $663 | 1.57% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $233 | $233 | 1.12% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $197 | $197 | 1.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 200 LIBERTY STREET NEW YORK, NY 10281 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $38 | $38 | 1.33% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $20 | $20 | 1.36% |
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 | 75,078 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 709 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 75,787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 106,609 | $31.0M |
| Long-term disability(31 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,550 | $9.4M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 106,609 | $43.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106,609 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.