| 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 | — | $414K | $414K | 1.89% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20K | $20K | 0.09% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $230K | — | $230K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $194K | — | $194K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $854K | $201K | $1.1M | 26.62% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $346K | — | $346K | 10.94% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $424K | $100K | $524K | 26.68% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | — | $37K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METLIFE LEGAL PLANS, INC. | $95K | $17K | $113K | 12.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS, INC. | — | $400 | $400 | 0.05% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 5444 WESTHEIMER RD #900 HOUSTON, TN 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62K | — | $62K | 19.86% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED | $4K | — | $4K | 22.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEDGWICK EIN 36-2685608 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $1.2M |
| OPTUM EIN 47-0858534 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $411K |
| ERNST & YOUNG EIN 34-6565596 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $325K |
| HEADSPACE, INC. EIN 46-1777570 CONSULTING | Other services; Direct payment from the plan Service code 49 | — | $237K |
| RSW EIN 75-2448056 COMMUNICATIONS | Direct payment from the plan; Other services Service code 49 | — | $196K |
| WEBMD EIN 93-1270422 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $177K |
| UNUM EIN 01-0278678 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $156K |
| THE JELLYVISION LAB, INC. EIN 36-4442819 NONE | Other services; Direct payment from the plan; Other fees Service code 49 | — | $113K |
| ALIGHT SOLUTIONS EIN 82-1061233 INSURANCE SERVICES | Direct payment from the plan; Insurance services Service code 23 | — | $96K |
| BLANKS PRINTING & IMAGING EIN 75-1156894 COPY/DUPLICATION | Copying and duplicating; Direct payment from the plan Service code 36 | — | $57K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 ACTUARIAL | Actuarial; Direct payment from the plan Service code 11 | — | $49K |
| NETWORK MEDICAL REVIEW EIN 76-0711128 NONE | Other services; Direct payment from the plan Service code 49 | — | $18K |
| ENTERHEALTH EIN 26-3107183 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | — | $17K |
| FORVIS, LLP EIN 44-0160260 ACCOUNTING | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
| HAYNES & BOONE LLP EIN 75-1312888 LEGAL | Legal; Direct payment from the plan Service code 29 | — | $14K |
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 | 44,444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 202 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,501 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 46,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 10 | $18 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 64,865 | $22.0M |
| Vision(2 contracts) | EYEMED | 59,324 | $3.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 44,444 | $11.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 39,376 | $9.7M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 39,376 | $9.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64,865 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.