| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | $27K | $55K | 4.28% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $20K | $64K | 5.61% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86K | — | $86K | 14.97% |
| YOUDECIDE, INC.3 | 4450 RIVER GREEN PARKWAY SUITE 100-A DULUTH, GA 30096 | METLIFE LEGAL PLANS | $13K | — | $13K | 9.66% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 4.64% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | AMERICAN FAMILY LIFE ASSURANCE CO. OF NY | $0 | $366 | $366 | 2.32% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | $65 | $69 | 28.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75267 | METROPOLITAN LIFE INSURANCE COMPANY | $7 | — | $7 | 2.92% |
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 | 5,957 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 677 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 862 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 1 | $240 |
| Vision(4 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,820 | $625K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 7,541 | $1.3M |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,831 | $1.3M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 4,683 | $1.5M |
| Other(7 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 7,541 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,541 | — |
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.