| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC. | 75 REMITTANCE DRIVE CHICAGO, IL 60675 | METROPOLITIAN LIFE INSURANCE COMPANY | $32K | $2K | $34K | 5.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELEWARE INC. | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITIAN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON HEWITT EIN 98-1030901 | Consulting (general); Direct payment from the plan Service code 16 | — | $105K |
| JP MORGAN INSTITUTIONAL INVEST INC. EIN 13-4062153 | Direct payment from the plan; Investment management Service code 28 | — | $71K |
| US BANK EIN 31-0841368 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $53K |
| NEPC, LLC EIN 26-1429809 | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $51K |
| ALIGHT SOLUTIONS | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | $48K |
| STANDISH MELLON ASSET MANAGEMENT EIN 25-1890416 | Investment management; Direct payment from the plan Service code 28 | — | $41K |
| NORTHERN TRUST COMPANY EIN 36-1561860 | Investment management; Direct payment from the plan Service code 28 | — | $18K |
| INTECH | Direct payment from the plan; Investment advisory (plan) Service code 27 | 525 OKEECHOBEE BLVD WEST PALM BEACH, FL 33401 | $14K |
| FINDLEY DAVIES EIN 34-1213174 | Direct payment from the plan; Consulting (general) Service code 16 | — | $11K |
| OPTUM | Other fees; Direct payment from the plan Service code 50 | 11000 OPTUM DRIVE EDEN PRAIRIE, MN 55344 | $7K |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 | Actuarial; Direct payment from the plan Service code 11 | — | $5K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,817 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITIAN LIFE INSURANCE COMPANY | 2,054 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,054 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.