| 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 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $62K | $41K | $104K | 8.33% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $92 | $40K | 18.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.49% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $92 | $23K | 18.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NC 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Actuarial; Consulting (pension); Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Direct payment from the plan Service code 11 | — | $272K |
| UNITED MEDICAL RESOURCES, INC. EIN 36-2739571 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $249K |
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 | 5,268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,510 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 503 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 1,568 | $671K |
| Vision | VISION SERVICE PLAN | 3,097 | $660K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,767 | $10.1M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,342 | $1.2M |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 88 | $332K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,121 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,767 | — |
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."
No prospect flags tripped on this filing.