| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLTAN LIFE INSURANCE COMPANY | $108K | $170 | $108K | 1.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | METROPOLTAN LIFE INSURANCE COMPANY | $0 | $98K | $98K | 1.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC | 200 LIBERTY STREET, 7TH FLOOR NEW YORK, NY 10281 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $18K | $0 | $18K | 25.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE INC | PO BOX 13784 NEWARK, NJ 07188 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 6.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 3.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $0 | $856 | $856 | 1.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 265 BROOKVIEW CENTRE WAY, SUITE 505 KNOXVILLE, TN 37919 | METLIFE LEGAL PLANS | $0 | $33 | $33 | 0.05% |
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 | 1,920 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 113 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 36 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLTAN LIFE INSURANCE COMPANY | 2,915 | $5.8M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 3,041 | $297K |
| Life insurance | METROPOLTAN LIFE INSURANCE COMPANY | 2,915 | $5.8M |
| Long-term disability | METROPOLTAN LIFE INSURANCE COMPANY | 2,915 | $5.8M |
| Other(5 contracts, 5 carriers) | METROPOLTAN LIFE INSURANCE COMPANY | 3,100 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,100 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.