| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $35K | $35K | 0.85% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $31 | $31 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $0 | $25K | 5.54% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 64.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Claims processing Service code 12 | — | $2.6M |
| SUN LIFE EIN 38-1082080 NONE | Claims processing Service code 12 | PO BOX 7247-7184 PHILADELPHIA, PA 19170 | $458K |
| METROPOLITAN LIFE INSURANC ECOMPANY EIN 13-5581829 NONE | Claims processing Service code 12 | — | $235K |
| NATURALLY SLIM EIN 26-2868596 NONE | Claims processing Service code 12 | — | $142K |
| CONEXIS EIN 20-0198855 NONE | Contract Administrator Service code 13 | — | $56K |
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 | 4,363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,420 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,783 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 5,714 | $1.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 10,668 | $4.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,249 | $935K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,789 | $458K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,741 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,668 | — |
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."
No prospect flags tripped on this filing.