| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $179K | $235K | $414K | 3.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VANGUARD GROUP INC. EIN 23-1945930 CONSULTANT | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Participant loan processing; Participant communication Service code 15 | — | $794K |
| VANGUARD ADVISERS INC EIN 23-2811930 INVESTMENT ADVISOR | Investment advisory (participants) Service code 26 | — | $665K |
| TOWERS WATSON INVESTMENT SERVICES EIN 52-1868818 CONSULTANT | Consulting (general); Investment advisory (participants) Service code 16 | — | $94K |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Participant loan processing; Account maintenance fees; Recordkeeping fees Service code 37 | — | $45K |
| GROOM LAW GROUP CHARTERED EIN 52-1219029 CONSULTANT | Consulting (general); Legal Service code 16 | — | $25K |
| BANKS, FINLEY, WHITE & CO. EIN 58-1779663 ACCOUNTANT/AUDITOR | Accounting (including auditing) Service code 10 | — | $18K |
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 | 10,921 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 273 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,084 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 106 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 15,384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 23,381 | $11.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 23,381 | $11.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 23,381 | $11.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 23,381 | $11.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,381 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.