| 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 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $72K | $72K | 1.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA | PO BOX 9102 PO BOX 8500 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 0.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA | PO BOX 9102 PO BOX 8500 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC | TOWERS WATSON DELAWARE INC LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $49K | $49K | 1.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 1.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | PO BOX 9102 PO BOX 8500 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA | PO BOX 9102 PO BOX 8500 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.00% |
| MULLINTBG INSURANCE AGENCY SERVICES3 Filed as: MULLINTBG INSURANCE AGENCY SEREVICE | 33174 COLLECTION CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $16K | $32K | 28.14% |
| BARENS, KRISTIN, LUCILLE3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $10K | $14K | 12.23% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 2.51% |
| MULLIN BARENS SANFORD FINANCIAL3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 1.02% |
| MULLINTBG INSURANCE AGENCY SERVICES3 | 33174 COLLECTION CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 12.46% |
| BARENS, KRISTIN, LUCILLE3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $913 | — | $913 | 1.36% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $456 | $456 | 0.68% |
| PEACOCK, GEORGE, JOSEPH3 | 3624 RAYMOND ST CHEVY CHASE, MD 20815 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $342 | — | $342 | 0.51% |
| CHADWELL, BRIAN, BARTON C/O CHADWEL3 Filed as: CHADWELL, BRIAN, BARTON | 21021 VENTURA BLVD SUITE 400 WOODLAND HILLS, CA 91364 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 0.22% |
| MULLIN BARENS SANFORD FINANCIAL3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| MULLINTBG INSURANCE AGENCY SERVICES3 | 33174 COLLECTION CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $809 | $2K | 19.45% |
| M FINANCIAL HOLDINGS INC3 | 1125 COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $250 | $250 | 2.06% |
| BARENS, KRISTIN, LUCILLE3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.58% |
| MULLINS BARENS SANFORD FINANCIAL3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $20 | $20 | 0.16% |
| MULLINTBG INSURANCE AGENCY SERVICES3 | 33174 COLLECTION CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDNET INSURANCE COMPANY | $372 | $926 | $1K | 45.12% |
| MULLIN BARENS SANFORD FINANCIAL3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND ACCIDNET INSURANCE COMPANY | $253 | $71 | $324 | 11.26% |
| M FINANCIAL HOLDINGS INC3 | 1125 COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDNET INSURANCE COMPANY | — | $96 | $96 | 3.34% |
| MULLINTBG INSURANCE AGENCY SERVICES3 | 33174 COLLECTION CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $24 | $7 | $31 | 15.50% |
| BARENS, KRISTIN, LUCILLE3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $24 | — | $24 | 12.00% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $8 | $8 | 4.00% |
| MULLIN BARENS SANFORD FINANCIAL3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $7 | $7 | 3.50% |
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 | 7,185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 320 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 331 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 11 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 7,847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 1,750 | $4.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,750 | $408K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 14,362 | $4.2M |
| Long-term disability(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 7,233 | $2.7M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,232 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,362 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.