| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | $15K | $76K | 7.74% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $43K | $43K | 4.44% |
| WILLIS TOWERS WATSON US LLC3 | 300 SOUTH GRAND AVE STE 2000 LOS ANGELES, CA 90071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 16.93% |
| WILLIS TOWERS WATSON US LLC3 | 7733 FORSYTH BLVD STE 1350 ST LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.45% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $1K | $94 | $1K | 10.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WATSON WYATT & COMPANY | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | METLIFE LEGAL PLANS | — | $170 | $170 | 1.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | — | $63 | $63 | 0.62% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 667 | $6.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 651 | $977K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 651 | $977K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 651 | $977K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 651 | $977K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 651 | $977K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 667 | $6.5M |
| Other(4 contracts, 4 carriers) | COMMUNITY INSURANCE COMPANY | 667 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.