| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | PO BOX 741909 ATLANTA, GA 30374 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | — | $102K | $102K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 321 N CLARK STREET CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $18K | $36K | 2.69% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVE NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $9K | $17K | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 321 N CLARK ST CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $10K | $20K | 2.61% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVE NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $5K | $10K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD WOODLANDS HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $894 | $3K | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 321 N. CLARK ST CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 2.79% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVE NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $2K | $3K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 21300 VICTORY BLVD WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $894 | — | $894 | 0.39% |
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 | 10,654 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 409 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,063 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | HUMANA | 115 | $853K |
| Vision | EYEMED VISION CARE/COMBINED INSURANCE COMPANY OF NY | 8,119 | $350K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 10,920 | $1.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,160 | $752K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 5,285 | $2.0M |
| Other | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 5,285 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,920 | — |
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.