| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC0 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | AMERICAN FAMILY LIFE ASSURANCE CO. OF NY | $0 | $68K | $68K | 2.18% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK | $91K | $117K | $209K | 11.42% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 2.05% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 2.14% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | METLIFE LEGAL PLANS | $20K | — | $20K | 12.89% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | METLIFE LEGAL PLANS | $0 | $4K | $4K | 2.68% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | METLIFE LEGAL PLANS | $0 | $4K | $4K | 2.47% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | METLIFE LEGAL PLANS | $0 | $74 | $74 | 0.05% |
| WILLIS TOWERS WATSON US LLC0 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | AMERICAN FAMILY LIFE ASSURANCE CO. OF NY | — | $5 | $5 | 2.91% |
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 | 3,635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,242 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,906 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 110 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 956 | $332K |
| Vision | VISION SERVICE PLAN | 2,806 | $643K |
| Life insurance | AMERICAN FAMILY LIFE ASSURANCE CO. OF NY | 4,162 | $3.1M |
| Long-term disability | AMERICAN FAMILY LIFE ASSURANCE CO. OF NY | 4,162 | $3.1M |
| Stop-loss / reinsurancereinsurance | FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK | 3,284 | $1.8M |
| Other(4 contracts, 3 carriers) | AMERICAN FAMILY LIFE ASSURANCE CO. OF NY | 4,162 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,162 | — |
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.