| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 100 MATSONFORD ROAD BUILDING 5, SUITE 200 RADNOR, PA 19087 | METLIFE LEGAL PLANS | $148K | — | $148K | 10.19% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | — | $22K | $22K | 1.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | EMPLOYEE BENEFITS PRACTICE 200 LIBERTY STREET NEW YORK, NY 10281 | HARTFORD LIFE AND ACCIDENT | -$2K | — | -$2K | — |
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 | 33,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 459 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,936 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 35,840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 3 | $20K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 57,129 | $21.4M |
| Vision | AETNA LIFE INSURANCE CO. | 42,467 | $3.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33,445 | $8.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 28,614 | $4.3M |
| Other(6 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33,445 | $10.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 57,129 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.