| 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 | $37K | $61 | $37K | 1.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADP EIN 61-1169763 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $264K |
| METLIFE EIN 13-5581829 NONE | Investment management fees paid directly by plan; Investment management; Contract Administrator Service code 13 | — | $229K |
| ALIGHT EIN 36-2235791 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 13 | — | $43K |
| CROWE LLP EIN 35-0921680 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $35K |
| AON CONSULTING EIN 22-2232264 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $33K |
| VIABENEFITS EIN 53-0181291 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $32K |
| EISNER LLP EIN 13-1639826 NONE | Consulting (general); Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
| BNY MELLON EIN 13-5160382 NONE | Trustee (bank, trust company, or similar financial institution); Custodial (securities); Direct payment from the plan; Trustee (directed) Service code 19 | — | $10K |
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 | 4,242 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,418 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,418 | — |
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.