| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK | $159K | $208K | $368K | 11.55% |
| WILLIS TOWERS WATSON US LLC0 | PO BOX 28852 NEW YORK, NY 10178 | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | $0 | $134K | $134K | 5.13% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $102K | $62 | $102K | 4.65% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $36K | $36K | 1.63% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $32K | — | $32K | 2.09% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 0.96% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | METLIFE LEGAL PLANS | $29K | — | $29K | 10.92% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | METLIFE LEGAL PLANS | $0 | $4K | $4K | 1.38% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 0.79% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 8.00% |
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 | 9,380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 907 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 256 | $2.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,080 | $701K |
| Vision | VISION SERVICE PLAN | 5,871 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 12,110 | $2.2M |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | 9,669 | $2.6M |
| Stop-loss / reinsurancereinsurance | FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK | 6,941 | $3.2M |
| Other(5 contracts, 5 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | 12,110 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,110 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.