| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 101162 PASADENA, CA 91189 | AMERICAN FAMILY LIFE ASSURANCE CO. OF NY | — | $9K | $9K | 2.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4K | $13K | 5.21% |
| MC CULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, FL 6 NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $50 | $2K | 9.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | P.O. BOX 416672 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $250 | $250 | 1.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB, ROGAL, & HOBBS, LLC | 100 PARK AVENUE 14TH FLOOR NEW YORK, NY 10017 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $129 | $129 | 0.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | PO BOX 4557 NEW YORK, NY 10249 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $63 | $63 | 0.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY STREET, 7TH FLOOR NEW YORK, NY 10004 | METROPOLITAN GENERAL INSURANCE COMPANY | -$331 | — | -$331 | -1.34% |
| MC CULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY | $538 | — | $538 | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, FL 6 NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY | $179 | — | $179 | 4.99% |
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 | 1,626 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,145 | $245K |
| Vision | VISION SERVICE PLAN | 1,256 | $156K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN FAMILY LIFE ASSURANCE CO. OF NY | 2,145 | $608K |
| Short-term disability | AMERICAN FAMILY LIFE ASSURANCE CO. OF NY | 1,444 | $363K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN FAMILY LIFE ASSURANCE CO. OF NY | 2,145 | $608K |
| Other(7 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,145 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,145 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.