| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $42 | $42 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $27 | $27 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METLIFE EIN 13-5581829 NONE | Contract Administrator; Investment management fees paid directly by plan; Investment management Service code 13 | — | $375K |
| ADP EIN 61-1169763 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $249K |
| EXTEND HEALTH, INC. NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 2929 CAMPUS DRIVE, SUITE 400 SAN MATEO, CA 94403 | $73K |
| EISNERAMPER LLP EIN 13-1639826 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $48K |
| AON CONSULTING EIN 22-2608561 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $31K |
| BNY MELLON EIN 13-5160382 NONE | Direct payment from the plan; Custodial (securities); Trustee (bank, trust company, or similar financial institution); Trustee (directed) Service code 19 | — | $9K |
| AVAYA EIN 22-3713430 EMPLOYER | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $8K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,010 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC SOUTHERN CA | 0 | $19K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,395 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,395 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.