| 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 | $37K | $95 | $37K | 1.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADP EIN 61-1169763 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $244K |
| METLIFE EIN 13-5581829 NONE | Contract Administrator; Investment management; Investment management fees paid directly by plan Service code 13 | — | $220K |
| ONEEXCHANGE EIN 53-0181291 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $100K |
| AON CONSULTING EIN 22-2232264 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $31K |
| CROWE HORWATH LLP EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $11K |
| BNY MELLON EIN 13-5160382 NONE | Custodial (securities); Trustee (directed); Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $7K |
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 | 4,338 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,423 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,423 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.