| 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 | $288K | $340K | $627K | 3.91% |
| 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 | $83K | $88K | $171K | 2.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Direct payment from the plan; Contract Administrator; Insurance services Service code 13 | — | $4.4M |
| WELLS FARGO BANK, N.A. EIN 94-1347393 TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $1.1M |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $965K |
| MEDCO HEALTH SOLUTIONS, INC EIN 22-3461740 NONE | Contract Administrator; Direct payment from the plan; Insurance agents and brokers Service code 13 | — | $959K |
| THE HARTFORD EIN 06-0838648 NONE | Direct payment from the plan; Contract Administrator; Insurance services Service code 13 | — | $563K |
| DELTA DENTAL OF MINNESOTA EIN 41-1905554 NONE | Contract Administrator; Direct payment from the plan; Insurance services Service code 13 | — | $450K |
| SLC MANAGEMENT (U.S.) LLC EIN 68-0635051 NONE | Investment management fees paid directly by plan Service code 51 | — | $208K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Insurance services; Direct payment from the plan; Contract Administrator Service code 13 | — | $181K |
| GOLDMAN SACHS EIN 13-3575636 INVESTMENT ADVISORY | Non-monetary compensation; Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $114K |
| EATON VANCE EIN 04-3101341 NONE | Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | — | $99K |
| DELOITTE & TOUCHE EIN 13-3891517 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $80K |
| PAYFLEX-EXTEND EIN 26-0775680 NONE | Insurance agents and brokers; Contract Administrator; Direct payment from the plan Service code 13 | — | $59K |
| BLACKROCK INSTITUTIONAL TR CO, N.A. EIN 94-3112180 NONE | Trustee (bank, trust company, or similar financial institution); Investment management; Direct payment from the plan; Investment management fees paid directly by plan; Trustee (discretionary) Service code 21 | — | $53K |
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 | 11,390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,150 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,470 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 11,727 | $1.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 31,097 | $16.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 12,970 | $6.3M |
| Stop-loss / reinsurancereinsurance | ENERGY INSURANCE SERVICES | 1,192 | $0 |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 31,097 | $16.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,097 | — |
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.