| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $174K | $166K | $341K | 7.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | -$32K | -$11K | -$43K | -0.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $85K | $113K | $198K | 4.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | -$15K | -$10K | -$25K | -0.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $43K | — | $43K | 2.00% |
| GLOBAL INSURANCE AGENCY, INC.3 | PO BOX 9023918 SAN JUAN, PR 009023918 | MONUMENTAL LIFE | $9K | — | $9K | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR,INC | 304 PONCE DE LEON SUITE 1000 SAN JUAN, PR 00918 | MONUMENTAL LIFE | $4K | — | $4K | 5.00% |
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 | 12,541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,143 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3,579 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 318 | $2.3M |
| Dental | DELTA DENTAL OF NJ, INC. | 10,699 | $9.1M |
| Vision | VISION SERVICE PLAN | 11,352 | $2.2M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 26,083 | $8.5M |
| Stop-loss / reinsurancereinsurance | MONUMENTAL LIFE | 709 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,083 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.