| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | P.O. BOX 905260 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | $589K | $129K | $718K | 8.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVENUE NORTH, SUITE 275 BIRMINGHAM, AL 35203 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $75K | — | $75K | 3.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 29727 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 1.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | P.O. BOX 100003 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $21K | $21K | 0.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 806 TYVOLA ROAD, SUITE 108 CHARLOTTE, NC 28217 | VISION SERVICE PLAN | $59K | — | $59K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 200 LIBERTY STREET NEW YORK, NY 10281 | NATIONAL UNION | $80K | — | $80K | 21.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 200 LIBERTY STREET, 7TH FLOOR NEW YORK, NY 10281 | NATIONAL UNION | $750 | — | $750 | 25.00% |
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 | 5,616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts) | AETNA LIFE INSURANCE COMPANY | 67 | $442K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 11,032 | $8.1M |
| Vision | VISION SERVICE PLAN | 3,497 | $591K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 11,032 | $8.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,521 | $2.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,521 | $2.3M |
| Other(6 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 5,672 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,032 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.