| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD RD BLDG 5 STE 200 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 4.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOWERS WATSON DELAWARE, INC. EIN 53-0181291 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $55K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $29K |
| MORISON-COGEN LLP EIN 23-1406493 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| BAKER TILLY VIRCHOW KRAUSE, LLP EIN 39-0859910 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| MERCER (US), INC. EIN 13-2834414 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $8K |
| UGI UTILITIES, INC. EIN 23-1174060 EMPLOYER | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $6K |
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 | 625 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $80K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.