| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $120K | $5K | $125K | 9.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $10K | $10K | 0.80% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | $5K | $68K | 24.04% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $3K | $29K | 19.02% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $614 | — | $614 | 3.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED MEDICAL RESOURCES, INC. EIN 36-2739571 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $176K |
| AON CONSULTING, INC. EIN 22-2232264 NONE | Actuarial; Direct payment from the plan; Contract Administrator Service code 11 | — | $102K |
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 | 5,574 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,062 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 616 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,252 | 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. | 1,447 | $725K |
| Vision | VISION SERVICE PLAN | 3,245 | $726K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,509 | $12.4M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,443 | $1.3M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1 | $19K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,061 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,509 | — |
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.