| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $149K | $149K | 0.72% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $90K | $90K | 0.44% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 PO BOX 12342 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $71 | $71 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $176K | — | $176K | 1.37% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $79K | $18K | $97K | 0.76% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $140K | — | $140K | 1.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | $18K | $64K | 0.63% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $523K | $78K | $601K | 14.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $261K | $39K | $301K | 7.11% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $304K | — | $304K | 8.24% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | EYEMED | $94K | — | $94K | 2.55% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $270K | $41K | $311K | 14.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $139K | $21K | $160K | 7.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $18K | $30K | 1.49% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 1.38% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METLIFE LEGAL PLANS, INC. | $69K | $6K | $75K | 9.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 N CALIFORNIA BLVD, SUITE 400 WALNUT CREEK, CA 94596 | METLIFE LEGAL PLANS, INC. | $14K | — | $14K | 1.71% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS, INC. | — | $3K | $3K | 0.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 N CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METLIFE LEGAL PLANS, INC. | — | $55 | $55 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER RD, STE 900 HOUSTON, TX 770565306 | METLIFE LEGAL PLANS, INC. | — | $12 | $12 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 5444 WESTHEIMER RD HOUSTON, TN 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $71K | — | $71K | 20.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEDGWICK EIN 36-2685608 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $1.3M |
| OPTUM EIN 47-0858534 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $502K |
| ERNST & YOUNG EIN 34-6565596 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $302K |
| NAVIGATE WELLNESS EIN 27-2536219 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $287K |
| HEADSPACE, INC. EIN 46-1777570 CONSULTING | Other services; Direct payment from the plan Service code 49 | — | $237K |
| UNUM EIN 01-0278678 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $178K |
| WILLIS TOWERS WATSON EIN 53-0181291 ACTUARIAL | Direct payment from the plan; Actuarial Service code 11 | — | $168K |
| THE JELLYVISION LAB, INC. EIN 36-4442819 NONE | Other fees; Other services; Direct payment from the plan Service code 49 | — | $109K |
| RSW EIN 75-2448056 COMMUNICATIONS | Direct payment from the plan; Other services Service code 49 | — | $104K |
| ALIGHT SOLUTIONS EIN 82-1061233 INSURANCE SERVICES | Direct payment from the plan; Insurance services Service code 23 | — | $88K |
| MOCAP NYC LLC EIN 90-0712007 CONSULTING | Other services; Direct payment from the plan Service code 49 | — | $80K |
| DISCOVERY BENEFITS EIN 90-0058554 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $62K |
| BLANKS PRINTING & IMAGING EIN 75-1156894 COPY/DUPLICATION | Direct payment from the plan; Copying and duplicating Service code 36 | — | $46K |
| BKD, LLP EIN 44-0160260 ACCOUNTING | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $26K |
| NETWORK MEDICAL REVIEW EIN 76-0711128 NONE | Other services; Direct payment from the plan Service code 49 | — | $25K |
| ENTERHEALTH EIN 26-3107183 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $17K |
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 | 40,195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 882 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,654 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 42,731 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7 | $25 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 59,677 | $20.7M |
| Vision | EYEMED | 55,186 | $3.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 40,195 | $12.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $10.1M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,545 | $9.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59,677 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.