| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $152K | $31 | $153K | 3.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 8500 LOCKBOX #9102 PHILADELPHIA, PA 191788500 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | $31 | $78K | 1.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61K | $61K | 1.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 8500 LOCKBOX #9102 PHILADELPHIA, PA 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23K | $23K | 0.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $94K | $94K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | $31 | $51K | 3.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 8500 LOCKBOX #9102 PHILADELPHIA, PA 191788500 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $31 | $33K | 2.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20K | $20K | 1.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 8500 LOCKBOX #9102 PHILADELPHIA, PA 191788500 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 0.69% |
| HODGES-MACE LLC3 | 5775 GLENRIDGE DR #D STE 350 ATLANTA, GA 303285380 | METROPOLITAN LIFE INSURANCE COMPANY | $177K | $68 | $177K | 42.03% |
| HODGES-MACE LLC3 | 5775 GLENRIDGE DR #D STE 350 ATLANTA, GA 303285380 | METROPOLITAN LIFE INSURANCE COMPANY | $121K | $68 | $121K | 36.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON OF PENNSYLVANIA INC. | ONE HOUSTON CENTER 1221 MCKINNEY, SUITE 2600 HOUSTON, TX 77010 | ACE AMERICAN INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $483 | — | $483 | 1.73% |
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 | 5,111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 147 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 242 | $2.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,713 | $525K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 9,605 | $978K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 11,219 | $4.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,219 | $4.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,043 | $1.4M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 4,470 | $1.9M |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,219 | $5.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,219 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.