| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $100K | — | $100K | 0.41% |
| INSTITUTIONAL INSURANCE GROUP LLC3 Filed as: INSTITUTIONAL INSURANCE GROUP, LLC | 18 SHIPYARD DRIVE SUITE 3B HINGHAM, MA 02043 | METROPOLITAN LIFE INSURANCE COMPANY | $234K | — | $234K | 1.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | PO BOX 9023549 SAN JUAN, PR 009023549 | TRIPLE S SALUD, INC. | $66K | — | $66K | 3.75% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 165 BROADWAY,STE 3201 1 LIBERTY PLAZA NEW YORK, NY 10006 | ZURICH AMERICAN INSURANCE COMPANY | $124K | — | $124K | 15.00% |
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 | 13,634 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 559 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,796 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,989 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | TRIPLE S SALUD, INC. | 219 | $4.6M |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 3,064 | $2.3M |
| Vision | VISION SERVICE PLAN | 8,914 | $2.4M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 13,774 | $36.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 13,774 | $24.3M |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 145 | $2.3M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 3,064 | $567K |
| Other(6 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 10,168 | $7.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,774 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.