| 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 | $271K | $39 | $271K | 4.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 200 LIBERTY ST NEW YORK, NY 10281 | LINCOLN FINANCIAL GROUP | $0 | $12K | $12K | 1.29% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURNCE COMPANY | $0 | $2K | $2K | 2.09% |
| ALIGHT SOLUTIONS3 | 901 MAIN ST STE 5800 DALLAS, TX 752023707 | METROPOLITAN LIFE INSURNCE COMPANY | $0 | $8 | $8 | 0.01% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.15% |
| ALIGHT SOLUTIONS3 | 901 MAIN STE STE 5800 DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $5K | $95 | $5K | 10.25% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPNAY | $0 | $979 | $979 | 2.11% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 901 MAIN ST ST 5800 DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPNAY | $0 | $5 | $5 | 0.01% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694227 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $811 | $811 | 2.16% |
| ALIGHT SOLUTIONS3 | 901 MAIN ST ST STE 5800 DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NEWTON INVESTMENT MANAGEMENT EIN 86-1751460 NONE | Investment management Service code 28 | — | $82K |
| MELLON INVESTMENTS EIN 23-3042105 TRUSTEE | Investment management Service code 28 | — | $9K |
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 | 2,205 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 201 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURNCE COMPANY | 447 | $220K |
| Vision | VSP | 2,122 | $393K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 10,943 | $5.7M |
| Long-term disability | LINCOLN FINANCIAL GROUP | 3,344 | $920K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,943 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,943 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.