| 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 | $38K | $71K | $109K | 2.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC. | PO BOX 9102 PO BOX 8500 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $5K | $9K | 0.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWAREINC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE CO. | $89K | — | $89K | 1.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA | LOCKBOX #9102 PO BOX 8500 PHILADELPHIA, PA 19178 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 0.17% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | $19K | $83K | 18.67% |
| AON CONSULTING INC3 Filed as: AON HEWITT HEALTH & BENEFITS | 199 WATER STREET NEW YORK, NY 10038 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $4K | — | $4K | 15.00% |
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 | 14,377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10,603 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,983 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK FEEDOM BLUE MEDICARE ADVANTAGE PLAN | 5,097 | $16.5M |
| Life insurance | AETNA LIFE INSURANCE CO. | 17,802 | $4.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,196 | $4.7M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 7,196 | $5.1M |
| Prescription drug | HIGHMARK FEEDOM BLUE MEDICARE ADVANTAGE PLAN | 5,097 | $16.5M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 17,802 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,802 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.