| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC. | 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $66K | $5K | $70K | 11.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $92 | $40K | 9.98% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 4.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $92 | $27K | 22.81% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 4.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $92 | $17K | 23.29% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 731739 DALLAS, TX 75230 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $92 | $8K | 23.36% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 5.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 731739 DALLAS, TX 75230 | METROPOLITAN LIFE INSURANCE COMPANY | — | $470 | $470 | 1.38% |
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 | 1,417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 425 | $397K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 425 | $397K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,417 | $629K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,417 | $629K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,417 | $629K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,417 | $855K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,417 | — |
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.