| 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 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $62K | $10K | $72K | 5.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 0.41% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $3K | $45K | 17.78% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $2K | $28K | 20.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON CONSULTING, INC. EIN 22-2232264 NONE | Direct payment from the plan; Contract Administrator; Actuarial Service code 11 | — | $330K |
| UNITED MEDICAL RESOURCES, INC. EIN 36-2739571 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $184K |
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 | 5,328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,386 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 559 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,273 | 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. | 1,290 | $731K |
| Vision | VISION SERVICE PLAN | 3,183 | $695K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,729 | $12.2M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,441 | $1.2M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 2 | $12K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,146 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,729 | — |
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.