| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 200 LIBERTY ST NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $24K | $24K | 1.30% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $16 | $57K | 3.75% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.14% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.78% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 5.15% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.78% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 5.75% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $998 | $998 | 2.82% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $433 | $16K | 72.27% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $578 | $578 | 2.68% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $219 | $12K | 74.54% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $454 | $454 | 2.72% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 088756718 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $250 | $11K | 80.73% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $389 | $389 | 2.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NEWTON INVESTMENT MANAGEMENT EIN 86-1751460 NONE | Investment management Service code 28 | — | $31K |
| MELLON INVESTMENTS EIN 25-1442864 TRUSTEE | Investment management Service code 28 | — | $5K |
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 | 6,030 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $202K |
| Vision | VSP | 4,897 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,934 | $2.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,061 | $1.8M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,934 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,061 | — |
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.