| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $46K | $75K | 1.77% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $19K | $19K | 1.35% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | — | $643 | $643 | 1.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SIBSON CONSULTING EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $24K |
| WELLS FARGO BANK, N.A. NONE | Shareholder servicing fees; Custodial (other than securities); Other fees; Direct payment from the plan Service code 18 | 1248 O STREET MAC N8032-021 LINCOLN, NE 68508 | $9K |
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 | 6,770 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 322 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,092 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 317 | $2.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 12,591 | $570K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 14,630 | $4.2M |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,630 | $5.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,630 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,630 | — |
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.