| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $20K | $39K | 3.62% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $8K | $15K | 3.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.24% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $752 | $887 | $2K | 3.08% |
| CURLING & ASSOCIATES3 | 1920 FRONT ST # 910 DURHAM, NC 27705 | MONUMENTAL LIFE INSURANCE COMPANY | $271 | — | $271 | 4.88% |
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 | 2,499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 170 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 85 | $1.2M |
| Dental | AETNA LIFE INSURANCE CO. | 333 | $133K |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 4,475 | $323K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,532 | $510K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 99 | $19K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,455 | $1.2M |
| Other(3 contracts, 3 carriers) | HYATT LEGAL PLANS | 2,419 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,475 | — |
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.