| 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 | $135K | $74K | $209K | 7.75% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | $0 | $41K | $41K | 1.80% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $39K | — | $39K | 2.12% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $100K | — | $100K | 5.94% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $35K | $35K | 2.06% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 2.61% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | METLIFE LEGAL PLANS | $21K | — | $21K | 10.01% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | METLIFE LEGAL PLANS | $0 | $5K | $5K | 2.30% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | METLIFE LEGAL PLANS | $0 | $34 | $34 | 0.02% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 8.17% |
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 | 6,469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 729 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 439 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 233 | $2.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,442 | $451K |
| Vision | VISION SERVICE PLAN | 4,002 | $812K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,603 | $1.7M |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | 5,923 | $2.3M |
| Stop-loss / reinsurancereinsurance | FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK | 4,688 | $2.7M |
| Other(5 contracts, 5 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | 8,603 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,603 | — |
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.