| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $138K | $184K | $321K | 2.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON US LLC | P.O. BOX 28852, LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $90K | $63K | $153K | 2.73% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $41K | $1K | $42K | 15.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Contract Administrator; Insurance services; Direct payment from the plan Service code 13 | — | $4.3M |
| WELLS FARGO BANK, N.A. EIN 94-1347393 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $879K |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $784K |
| MEDCO HEALTH SOLUTIONS, INC EIN 22-3461740 NONE | Contract Administrator; Direct payment from the plan; Insurance agents and brokers Service code 13 | — | $744K |
| THE HARTFORD EIN 06-0838648 NONE | Insurance services; Direct payment from the plan; Contract Administrator Service code 13 | — | $556K |
| DELTA DENTAL OF MINNESOTA EIN 41-1905554 NONE | Insurance services; Direct payment from the plan; Contract Administrator Service code 13 | — | $526K |
| SLC MANAGEMENT (U.S.) LLC EIN 68-0635051 NONE | Investment management fees paid directly by plan Service code 51 | — | $209K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator; Insurance services; Direct payment from the plan Service code 13 | — | $181K |
| GOLDMAN SACHS EIN 13-3575636 INVESTMENT ADVISORY | Investment management; Direct payment from the plan; Investment management fees paid directly by plan; Non-monetary compensation Service code 28 | — | $114K |
| EATON VANCE EIN 04-3101341 NONE | Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $77K |
| PAYFLEX-EXTEND EIN 26-0775680 NONE | Contract Administrator; Insurance agents and brokers; Direct payment from the plan Service code 13 | — | $63K |
| BLACKROCK INSTITUTIONAL TR CO, N.A. EIN 94-3112180 NONE | Investment management; Trustee (discretionary); Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Investment management fees paid directly by plan Service code 21 | — | $46K |
| STATE STREET GLOBAL ADVISORS TR CO EIN 81-4017137 NONE | Custodial (other than securities); Investment management fees paid directly by plan; Custodial (securities); Direct payment from the plan Service code 18 | — | $6K |
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 | 11,295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,334 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,537 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 11,715 | $1.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 41,495 | $16.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 12,088 | $5.6M |
| Stop-loss / reinsurancereinsurance | ENERGY INSURANCE SERVICES | 1,425 | $0 |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 41,495 | $16.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,495 | — |
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.