| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DDMN ASO, LLC | — | DELTA DENTAL | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY - OPTIONAL | — | $99K | $99K | 2.18% |
| WILLIS TOWERS WATSON US LLC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $106K | $106K | 2.50% |
| WILLIS TOWERS WATSON US LLC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $31K | — | $31K | 2.76% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $120K | $36K | $156K | 16.06% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY - BASIC | — | $18K | $18K | 2.18% |
| DDMN ASO, LLC | — | DELTA DENTAL | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $15K | $15K | 2.50% |
| WILLIS TOWERS WATSON US LLC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | $31K | $96K | 18.76% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $31K | $86K | 19.51% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $65K | — | $65K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $9K | $9K | 2.07% |
| DDMN ASO, LLC | — | DELTA DENTAL | — | — | $0 | 0.00% |
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 | 23,264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,479 | $1.9M |
| Dental(3 contracts) | DELTA DENTAL | 20,500 | $16.7M |
| Vision | VISION SERVICE PLAN | 14,248 | $1.1M |
| Life insurance(3 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY - OPTIONAL | 25,053 | $5.8M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 792 | $615K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21,259 | $4.3M |
| Other | ARAG INSURANCE COMPANY | 3,850 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,053 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.