| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CETERA ADVISOR NETWORKS LLC3 Filed as: CETERA ADVISOR NETWORKS | 200 N. SEPULVEDA BLVD STE 1200 EL SEGUNDO, CA 902455605 | METROPOLITAN LIFE INSURANCE COMPANY | $269K | — | $269K | 8.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY ST. FL 6. 1 WORLD FINAN NEW YORK, NY 102810001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | HCC LIFE INSURANCE COMPANY | $74K | $71K | $145K | 5.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93033 NETWORK PL CHICAGO, IL 606731930 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $63K | — | $63K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 500 N. AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $20K | $20K | 2.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93033 NETWORK PL CHICAGO, IL 606730001 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $28 | $55K | 8.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 432123891 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.23% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE RD GLENVIEW, IL 600251849 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 93033 NETWORK PL CHICAGO, IL 606730001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | — | $31K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 500 N. AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $15K | $15K | 2.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 93033 NETWORK PL CHICAGO, IL 606730001 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $28 | $7K | 2.28% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE RD GLENVIEW, IL 600251849 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 432123891 | METROPOLITAN LIFE INSURANCE COMPANY | — | $980 | $980 | 0.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 93033 NETWORK PL CHICAGO, IL 606730001 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $28 | $13K | 9.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 432123891 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93033 NETWORK PL CHICAGO, IL 606731930 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $2.2M |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 NONE | Claims processing Service code 12 | — | $215K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $149K |
| HEALTH ADVOCATE SOLUTIONS, INC. EIN 23-3080019 NONE | Claims processing Service code 12 | 3043 WALTON ROAD PLYMOUTH MEETING, PA 19642 | $63K |
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 | 4,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,118 | $945K |
| Vision | VISION SERVICE PLAN | 2,750 | $719K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,273 | $3.6M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,388 | $902K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 3,752 | $2.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,392 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,273 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.