| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $92 | $92 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $92 | $92 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $92 | $92 | 0.00% |
| AON CONSULTING INC0 Filed as: AON RISK SERVICES SOUTH, INC | 3565 PIEDMONT ROAD NE ATLANTA, GA 30305 | ACE AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELWARE, INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELWARE, INC. | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $92 | $92 | 0.01% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 199 WATER STREET NEW YORK, NY 10038 | ACE AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| AON CONSULTING INC0 Filed as: AON RISK SERVICES SOUTH, INC | 3565 PIEDMONT ROAD NE ATLANTA, GA 30305 | ACE AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $2.4M |
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 | 52,067 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23,905 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 75,972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(8 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 131,936 | $78.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 10,913 | $2.4M |
| Other(3 contracts) | ACE AMERICAN INSURANCE COMPANY | 76,305 | $8.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131,936 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.