| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $174K | $174K | 1.62% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 0.56% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $34K | — | $34K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $208 | $208 | 0.15% |
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 | 12,553 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 280 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 285 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 157 | $2.7M |
| Dental(3 contracts, 3 carriers) | ALPHA DENTAL PROGRAMS, INC. | 2,020 | $467K |
| Vision(5 contracts, 4 carriers) | VISION SERVICE PLAN | 7,705 | $4.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 18,802 | $10.7M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12,553 | $139K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12,553 | $2.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 18,802 | $10.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,802 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.