| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $250K | $61 | $250K | 13.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $30K | $30K | 3.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 NSCOTTSDALE RD STE 600, SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $13K | $13K | 1.75% |
| MAGELLAN HEALTH SERVICES, INC.3 Filed as: MAGELLAN HEALTHCARE | FINANCE DEPARTMENT 14100 MAGELLAN PLAZA MARYLAND HEIGHTS, MO 63043 | MAGELLAN HEALTHCARE | — | $750 | $750 | 0.96% |
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 | 2,234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 365 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP | 1,651 | $346K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,599 | $1.8M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,095 | $764K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,599 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,599 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.