| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST FI6 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $118K | $19K | $137K | 10.77% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $6K | $37K | 12.08% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $3K | $19K | 12.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON CONSULTING, INC. EIN 22-2232264 NONE | Contract Administrator; Direct payment from the plan; Actuarial Service code 11 | — | $235K |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $64K |
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 | 5,216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,651 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 658 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,402 | $1.3M |
| Vision | VISION SERVICE PLAN | 3,177 | $663K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,019 | $10.9M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,202 | $1.3M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,639 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,019 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.