| 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 | — | $158K | $158K | 1.52% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC | 1215 MANOR DR STE 200 ATTN NICHOLAS REED MECHANICSBURG, PA 170554900 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 0.10% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $88K | — | $88K | 1.76% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 1.00% |
| REWARDS PLUS OF AMERICAN INSURANCE3 | 4450 RIVER GREEN PKWY STE 100A DULUTH, GA 300968326 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.43% |
| YOUDECIDE, INC.3 | 4450 RIVER GREEN PARKWAY SUITE 100-A DULUTH, GA 300968326 | HYATT LEGAL PLANS | $19K | $97 | $19K | 10.09% |
| REWARDS PLUS OF AMERICAN INSURANCE3 | 4450 RIVER GREEN PKWY STE 100A DULUTH, GA 300968326 | METROPOLITAN LIFE INSURANCE COMPANY | $67 | — | $67 | 1.03% |
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 | 11,456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 573 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,023 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 673 | $6.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 23,741 | $12.3M |
| Vision | VISION SERVICE PLAN | 7,543 | $1.4M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 22,064 | $5.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 23,741 | $10.4M |
| Other(8 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 22,064 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,741 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.