| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK CITY, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $30K | $30K | 0.79% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK CITY, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK CITY, NY 100878852 | QBE A&H | — | $36K | $36K | 3.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Claims processing Service code 12 | — | $1.8M |
| LIFEWORKS NONE | Other services Service code 49 | — | $752K |
| 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 | — | $84K |
| HARPER & PEARSON COMPANY, P.C. EIN 74-1695589 NONE | Accounting (including auditing) Service code 10 | — | $66K |
| CONEXIS EIN 20-0198855 NONE | Contract Administrator Service code 13 | — | $27K |
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 | 4,034 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,223 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,519 | $840K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 9,530 | $3.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,016 | $879K |
| Stop-loss / reinsurancereinsurance | QBE A&H | 3,010 | $1.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,571 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,530 | — |
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.