| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | UNITEDHEALTHCARE INSURANCE COMPANY | $217K | $0 | $217K | 2.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $95K | $95K | 1.11% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 0.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | UNITEDHEALTHCARE INSURANCE COMPANY | -$306 | $0 | -$306 | -0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $494K | $224 | $495K | 7.39% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $274K | $5K | $278K | 4.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $76K | $76K | 1.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $568 | $73K | 1.09% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 0.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 16220 NORTH SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | BLUECROSS BLUESHIELD OF NEW MEXICO | $45K | $3K | $47K | 0.86% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | BLUECROSS BLUESHIELD OF NEW MEXICO | $4K | $0 | $4K | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 2.77% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 2.77% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02110 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 2.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | PO BOX 13784 NEWARK, NJ 07188 | VISION SERVICE PLAN | $5K | $0 | $5K | 0.89% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $2K | $0 | $2K | 0.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | PO BOX 13784 NEWARK, NJ 07188 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.83% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | AETNA LIFE INSURANCE COMPANY | $0 | $63 | $63 | 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 | 5,290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,820 | $14.9M |
| Dental(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 6,947 | $15.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,328 | $625K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,947 | $7.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,947 | $6.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,947 | $6.7M |
| Prescription drug(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,820 | $14.9M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 6,947 | $15.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,947 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.