| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $50K | $50K | 45.82% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $16K | — | $16K | 14.64% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $2K | $2K | 1.51% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $28 | $28 | 0.03% |
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 | 20,773 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 820 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 26 | $391K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 26 | $391K |
| Vision(2 contracts) | VISION SERVICE PLAN | 13,268 | $2.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 37,266 | $6.9M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1 | $205 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 16,694 | $3.2M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 37,266 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,266 | — |
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.