| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $36K | $36K | 0.96% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $39 | $39 | 0.00% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON INSURANCE SERV | PO BOX 28852 NEW YORK, NY 10087 | QBE A&H | $0 | $95K | $95K | 9.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Claims processing Service code 12 | — | $3.2M |
| LIFEWORKS NONE | Other services Service code 49 | — | $756K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing Service code 12 | — | $201K |
| TOWERS WATSON DELAWARE INC EIN 53-0181291 NONE | Actuarial Service code 11 | — | $110K |
| CONEXIS EIN 20-0198855 NONE | Contract Administrator Service code 13 | — | $55K |
| HARPER & PEARSON COMPANY, P.C. EIN 74-1695589 NONE | Accounting (including auditing) Service code 10 | — | $44K |
| SUN LIFE EIN 38-1082080 NONE | Claims processing Service code 12 | — | $39K |
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 | 4,045 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,287 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,623 | $854K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 9,719 | $3.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,003 | $835K |
| Stop-loss / reinsurancereinsurance | QBE A&H | 3,065 | $1.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,531 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,719 | — |
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.