| 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 | $63K | $89K | $152K | 2.95% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $28K | $62K | 2.95% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 10087 | UNUM INSURANCE COMPANY | $151K | $19K | $170K | 22.49% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 P.O. BOX 28852 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 2.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEGAL EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $24K |
| PRINCIPAL CUSTODY SOLUTIONS NONE | Shareholder servicing fees; Custodial (other than securities); Other fees; Direct payment from the plan Service code 18 | 510 N. VALLEY MILLS DRIVE SUITE 400 WACO, TX 767106075 | $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 | 6,259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 234 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. (BLUECROSS BLUESHIELD) | 277 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 11,726 | $623K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 13,475 | $5.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,690 | $2.1M |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,475 | $7.4M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,475 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,475 | — |
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.