| 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 | $0 | $38K | $38K | 0.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 9012 PHILADELPHIA, PA 191788500 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 9102 PHILADELPHIA, PA 191788500 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $31 | $31 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $31 | $31 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Claims processing Service code 12 | — | $3.7M |
| OPTUM HEALTH EIN 52-1996069 NONE | Other services Service code 49 | — | $933K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | — | $258K |
| NATURALLY SLIM EIN 47-0855698 NONE | Other services Service code 49 | — | $179K |
| HARPER & PEARSON LP EIN 74-1695589 NONE | Accounting (including auditing) Service code 10 | — | $47K |
| CONEXIS EIN 20-0198855 NONE | Contract Administrator Service code 13 | — | $36K |
| STATE STREET CORPORATION EIN 04-1867445 NONE | Custodial (securities); Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Other fees Service code 19 | — | $35K |
| TOWERS WATSON EIN 53-0181291 NONE | Actuarial Service code 11 | — | $9K |
| LCG ASSOCIATES EIN 75-1680350 NONE | Other services Service code 49 | — | $7K |
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 | 6,336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,416 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 8,752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 684 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 12,201 | $4.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,853 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,201 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.