| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON | PO BOX 741909 ATLANTA, GA 30374 | RELIASTAR LIFE INSURANCE COMPANY OF NY | $0 | $84K | $84K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $24K | $48K | 3.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $10K | $19K | 3.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $5K | $11K | 4.07% |
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 | 10,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 474 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA HEALTH PLANS OF PUERTO RICO | 237 | $873K |
| Vision | EYEMED VISION CARE/COMBINED INSURANCE COMPANY OF NY | 8,465 | $339K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 10,239 | $1.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,975 | $538K |
| Other | RELIASTAR LIFE INSURANCE COMPANY OF NY | 4,996 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,239 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.