| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSIONS LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $28K | $3K | $31K | 17.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | PO BOX 904037 CHARLOTTE, NC 28290 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $3K | — | $3K | 1.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $418 | — | $418 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $53K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Direct payment from the plan; Contract Administrator; Participant communication Service code 13 | — | $35K |
| HARTFORD EIN 06-0838648 NONE | Consulting (general); Consulting fees; Direct payment from the plan Service code 16 | — | $27K |
| CROWE EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| JP MORGAN CHASE BANK, N.A. EIN 13-4994650 TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Trustee (directed); Securities brokerage commissions and fees; Investment management fees paid indirectly by plan; Float revenue Service code 21 | — | $4K |
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 | 4,417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6,285 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,535 | $1.8M |
| Other | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | 1,021 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,535 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.