| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $42 | $3K | 0.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 752012739 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $52 | $2K | 0.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $74 | $74 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 9102 PO BOX 8500 PHILADELPHIA, PA 191788500 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTECH HEALTH VENTURES EIN 20-5432884 NONE | Direct payment from the plan; Other services Service code 49 | — | $111K |
| J.P. MORGAN INVESTMENT MANAGEMENT EIN 13-3200244 NONE | Direct payment from the plan; Investment management; Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $75K |
| HEWITT ASSOCIATES LLC EIN 36-2235791 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $72K |
| US BANK EIN 31-0841368 TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $54K |
| NEPC, LLC EIN 26-1429809 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $44K |
| NORTHERN TRUST GLOBAL INVESTMENT EIN 45-6138589 NONE | Investment management; Direct payment from the plan Service code 28 | — | $36K |
| BOBER MARKEY FEDOROVICH EIN 34-1523030 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| JONES DAY EIN 34-0319085 NONE | Legal; Direct payment from the plan Service code 29 | — | $24K |
| FINDLEY DAVIES EIN 34-1213174 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $14K |
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 | 2,072 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AULTCARE HEALTH INSURING CORPORATION | 1,508 | $6.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,268 | $539K |
| Prescription drug(3 contracts, 3 carriers) | AULTCARE HEALTH INSURING CORPORATION | 1,508 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,268 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.