| 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 | — | $339K | $339K | 1.40% |
| INSTITUTIONAL INSURANCE GROUP LLC3 Filed as: INSTITUTIONAL INSURANCE GROUP, LLC | 18 SHIPYARD DRIVE SUITE 3B HINGHAM, MA 02043 | METROPOLITAN LIFE INSURANCE COMPANY | $276K | — | $276K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | PO BOX 9023549 SAN JUAN, PR 009023549 | TRIPLE S SALUD, INC. | $75K | — | $75K | 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 | $127K | — | $127K | 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 | 13,288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 390 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 485 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | TRIPLE S SALUD, INC. | 188 | $4.4M |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 2,876 | $2.6M |
| Vision | VISION SERVICE PLAN | 8,977 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 13,650 | $35.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 13,650 | $24.2M |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 140 | $2.4M |
| Other(5 contracts, 4 carriers) | TRIPLE S SALUD, INC. | 6,600 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,650 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.