| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS E STRONG3 | WILLIS TOWERS WATSON US LLC 800 N GLEBE RD ARLINTON, VA 22203 | DEAN HEALTH PLAN INC | $122K | — | $122K | 1.01% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28025/28025 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $75K | $75K | 3.99% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22K | $22K | 1.15% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.18% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NC 10087 | KAISER FOUNDATION HEALTH PLAN HI | $663 | — | $663 | 3.51% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $196 | $196 | 1.44% |
No Schedule C service providers reported on this filing.
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 | 13,018 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,135 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DEAN HEALTH PLAN INC | 2,381 | $12.1M |
| Vision | VISION SERVICE PLAN | 9,923 | $1.6M |
| Life insurance | AMERICAN FAMILY LIFE INSURANCE COMPANY | 13,049 | $0 |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 224 | $120K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 14,556 | $1.9M |
| Prescription drug(2 contracts, 2 carriers) | QUARTZ HEALTH PLANS INSURANCE CORPORATION | 3,013 | $20.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,556 | — |
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.