| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $145K | $145K | 1.28% |
| WILLIS TOWERS WATSON US LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $55 | $45K | 2.47% |
| WILLIS TOWERS WATSON US LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | -$5K | -$5K | -0.60% |
| WILLIS TOWERS WATSON US LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | -$3K | -$3K | -0.88% |
| WILLIS TOWERS WATSON US LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.05% |
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 | 28,088 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 28,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 40,599 | $3.1M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,783 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 22,265 | $11.3M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 27,760 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40,599 | — |
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.