| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | $0 | $72K | $72K | 2.27% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $162K | $10K | $172K | 30.20% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.27% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $123K | $8K | $130K | 29.36% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $95K | $7K | $102K | 25.90% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $31K | $4K | $35K | 11.36% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 LIBERTY STREET, 7TH FLOOR NEW YORK, NY 10281 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $16K | $0 | $16K | 25.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 LIBERTY STREET, 7TH FLOOR NEW YORK, NY 10281 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $11K | $0 | $11K | 25.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $85 | $5 | $90 | 33.58% |
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 | 10,509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 7 | $47K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 14,714 | $1.2M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 14,133 | $3.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,509 | $2.9M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 7 | $47K |
| Other(9 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,718 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,714 | — |
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.