| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68K | — | $68K | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67K | — | $67K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $50K | $63K | 3.86% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METLIFE LEGAL PLANS | $14K | $255 | $14K | 4.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP - MARSH & MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METLIFE LEGAL PLANS | $10K | — | $10K | 3.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO - MARSH & MCLEN | 11330 LAKEFIELD DRIVE SUITE 100, BLDG 1 JOHNS CREEK, GA 30097 | METLIFE LEGAL PLANS | — | $2K | $2K | 0.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 1 UPPER POND RD BLDG F PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | — | $65 | $65 | 0.02% |
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 | 14,057 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,821 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 103 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 15,940 | $5.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,780 | $1.6M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 16,459 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,459 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.